I think most riders will not have a physical run in with a car. I think that most regular commuters in an urban area will have a run in with a car.

I personally have had two minor one. One was my fault the other was a mild right hook.

I have crashed more on my own though, with more pain. No breaks though.

I agree it is all about quality of life. I am happy and healthy. I will bike until I physically can not.