Having someone with you is a built in net. In the case of an accident/injury to one, the other can get help. Riding on the road IS inherently dangerous to a degree. Accidents happen all the time. You have had some great experiences, more than most and that is great! When riding alone, I make sure that someone knows approximately where I will be and I always carry my cell phone. Wits can get you through most things, but sometimes you can’t do everything on your own.