The only time I have seen a rider go down is with toe clips and during starts off a light with too high a gearing. The rider starts to pedal and because of the gearing they have trouble moving forward causing the front wheel to wobble and hit the toe causing a crash. I have seen that a couple of times with new riders. I see way more people go down because they can't or forget to unclip from clipless pedals than from toe overlap. No one seems to make too big a deal of it since you are going so slow you rarely get hurt. Seems to me this would be the same with overlap, don't sweat it.
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The problem with the gene pool is that there is no lifeguard and the shallow end is much too large
2013 Noah RS