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Been riding for two years, 60.000 km total, and just had my first serious crash, I didnt get badly hurt, but a little MORE bad luck and I could easily be in the hospital or dead right now.
I think if you ride carefully, without pushing it, and stays observant its pretty much completely avoidable. Of course you have a problem if your front brakes jams or something like that, but then again, carefull attention and service to the bike should even fix those.
So all in all, I think crashing is avoidable. But hey, if we rode like that, what fun would it be?
Personally I see riding as gambling, taking calculatet risks, constantly evaluating cost vs benefit. And then just making sure never to go busto (kill yourself).
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