Well, I guess what I'm looking for is a bit more detail about solo crashes at high speed. Considering most of us only have minimal protection, other than a helmet (light clothing, bare arms and legs), mostly I'm trying to figure out how often, relative to speed, one gets busted bones, severe damage to exposed skin (beyond minor abrasions).

When you come right down to it, unless we have been through it, our impressions of what to expect would be based on movies - not exactly major reality! At 40+ mph, I picture myself bouncing all over the road, tearing myself up pretty bad - but maybe my impression is less than accurate on average (ignoring averages, you could probably break a bone falling over while standing still, though abrasions would be pretty limited).