Interesting point, sheep - I believe that courses have also become more technical than in the past.
A PP made the point that the increase in accidents is proportional to the increase in numbers of eventing: that may be so, but there are certainly far more fatalities than when I was a child, which was what my point related to. But then, as someone said, if they are working for jockeys - perhaps the variable is not the body protector, but something else, whether speed, angle or height of fence: it would be interesting to know how injuries compare between jump and flat jockeys in this instance.
It's certainly true they've become more comfortable - 25 odd years ago, they were wretched (and the bloody velcro was always coming undone, no matter if you wore them inside or out...): and it is probably also a habit thing too. The friend I referred to who broke his back was wearing a BP; conversely, my father had a horrendous fall out hunting, when his 17.3 heavyweight somersaulted over a post and rails and landed upside down on him - they both got up, and carried on for a while, but dad went home early. Horse perfectly fine (not even any stiffness); dad had two very broken arms. He would never dream of wearing a bp, hunts in a top hat and only wears an old velvet cap round and about: he grew up in the days when you didn't wear hat at Pony Club.
I wouldn't consider riding without a hat, as I've always done it (though I also hunt in a bowler - like my father's hat, though, it's made me for me, and neither of us have ever lost them, despite various crashing falls) but I just don't feel the same way about a bp. I wear one when it's compulsory, but I am also under no illusions about it. I've probably had injuries - mostly ribs - where one would have saved me some pain,but whereas I have definitely had hats that have saved my life, my bp has never done that.
OP - I think you're damned whether you do or not
- have a serious accident without one, and rue the day you left it off; have a serious accident with one, and wonder why you bothered! I'd do what feels right and appropriate for you, given your skills, experience and background.