I hate to be the one to break the news to the world greatest cyclist that seem to post here, but the fickle finger of fate can and will reach out and goose you when you least expect it. A slick spot, a instant flat, loose gravel, or maybe a dog can put you on the ground. But then maybe these worlds greatest cyclist they NEVER go down have a bungee cord hooked to a cloud that will keep them from hitting the ground. The bungee cord idea is as believeable as thinking they will never crash.
Have you seen the helmet cam video that is on the internet in the last few days that show a rider going along at a good clip when UNEXPECED AND SUDDENLY a deer jumps in front of him and takes him down? Hmmmmm------better make sure your bungee cord is hooked up before you ride.