I can't exactly say never. But, I've never broken any bones, nor left any skin on the pavement. I've gotten a little more cautious with things like descending hills with poor visibility (curves, blind drives, etc), or slippery conditions. I may not always be perfectly vigilant, but I try to pay attention to my surroundings.

My worst "crash" in recent time was about 10 years ago, I dropped my wheels into a road crack that I hadn't seen at dusk. I don't think I even hit the pavement, but jammed my elbows pretty hard, and bent up my rims.

I have wondered a bit what the exact limits for cornering are, but haven't wanted to tempt fate.