I've fallen a few times.
The other day I went down on ice and did a nice roll.
However, last March 29th my front wheel went out from underneath me on sheet ice, and I hit still clipped in and hands on the handlebars.
I didn't realize gravity could work that fast.
I broke four ribs, collapsed a lung, and lost a month of work and two paychecks.
As we say in my business, "You can cheat death a thousand times, but death only has to win once."