No, I've only had one actual crash under my belt (ie moving at decent speed) which involved getting caught in street car tracks because I had to dodge a car that pulled out during my turn. I went right clear of the bike which seemed IMO to make hitting the ground alot more simple and straightforward than having to worry about having limbs caught or torqued around a bike frame.
Like I said, it seems I'm just overthinking things. The bike comes with toe clips but I'll be switching those out for clipless pedals in the near future.