Ivykaty44 to answer your question:
"A question for you all, how many of you have fallen from a bike with no other person involved? When was the last time you knew a friend over 18 that fell of a bike on their own with no one else involved? "
My husband. Twice.
First: In Wales, offroading, down a steap hill, he went for it! With Ds1 on his bike attached to dh with a tailgator, and DS2 in the baby trailer that was attached to DS1s bike ..... Down the hill they went, amidst sheep poo and grass, when BOOM suddenly there was a gate. It was locked. DH fell of the bike and hurt his ... ermmm.. helmet, DS1 fell off the bike, DS1 woke up.
The second time, quiet SW london street, answering the phone, downhill, meeting traffic.....
SO: I conclude, He hills of Wales is far more dangerous for the cyclist than quiet London streets, unless you decide to answer the phone when cycling.
ON second thoughts, how you judge a situation is probably ALL to do with it....