Ya can't be too careful!!
I ride almost exclusively on bike paths, avg speed limited to about 10 mph due to pedestrians and obstacles.
In August 2018, I just bought a Montague Fit, moving up from a 20" folder. Took it for my 1st ride, on a bike path, was making a loop through a school parking lot just out of curiosity, no moving vehicles around, was gawking at the scenery and suddenly was thrown on the asphalt, face-planting, breaking my neck and nose, and bruising ribs! Hurt like hell!! Crushed the front of my helmet, lots of road rash. Then had to ride home!
I had tripped over a speed bump that I just hadn't seen. Fault was all mine, should have been more observant.
Been riding on a trainer stand since, due to winter. Can't wait to get outside again.
Just goes to show ya.....even though your mother said don't play in traffic, accidents do happen!