I've fallen for plenty of reasons. Some of them my fault. Broken my collarbone and my ribs. But I've never fallen because I forgot to unclip, and I don't think that it makes me better than anyone who has.
+1 collarbone 3 times, but no ribs........ Numerous cases of road rash to one extent or another over 40+ years..(which really s**Ks when the sheets stick to it at night)...... but I have never fallen because I forgot to unclip,.......and that includes years of riding in toe clips and cleated shoes.