I've never been scared of riding with clips/straps. I fell over once. I pulled up to a stoplight on an extremely windy day, and did I say it was windy? Really windy? Before I could even think about putting a foot down a crosswind knocked me right over. It might even have done so had I still be rolling.

This thread has reinforced my lack of desire to go clipless! Experience tells me that the bike works much better when the wheels are on the bottom.