Road rash from my first Cat 5 crit umpeen years ago. The whole field was like a bunch of weebly wobblies. Other fellow and I were sprinting to the finish. He veered over unexpectedly and cut my front wheel out. Boom. Painful but no serious injuries.

I moved up to Cat 4 the next race. Much better riders, although much faster and stronger -- I got dropped quickly but the organizers let me tag back onto the back of the pack after I caught my breath.

My last painful crash was back in February. Drafting too closely to a rider ahead of me on a local MUP segment that was unfamiliar to me. I misjudged a "Y" split, nicked the pavement ledge. Boom. I managed to roll just enough to avoid landing on my shoulder, but hit pretty hard on my left side so I had painful ribs for several weeks.

At least three local friends broke their clavicles this year. One on single track, smashed into a tree. The other fell on a gravel ride. Both of them still managed to snap selfies of their bloody bodies for Facebook, which is pretty badass. Don't recall the details of the third. And another acquaintance broke his femur on a low water crossing on the MUP.

I've stopped riding in groups on the MUP. Even with slower groups, around 10-12 mph, too much can go awry very quickly on a narrow paved path shared by oncoming cyclists, with faster cyclists squeezing by three abreast on a 4' wide sidewalk, pedestrians, joggers, kids, dogs on 50-foot retractable non-leashes, rabbits and other critters at night. I'll only ride it solo and fairly slowly. There are plenty of safer streets to ride fast.