Well it's happened, I've just had my 1st fall.
I turned onto my drive WAY too fast, went wider than normal, caught the front wheel in deep gravel and came off. I actually jumped off and ended up running down the drive, so no damage to me. However my new bike was laid on its side on the drive, not good. But when I picked it up and got it on its stand, aside from two very little scratches on the crash bar, the bike is unmarked. The mirror wasn't even out of line.
So if you don't have any yet, you must fit a set of crash bars, I dread to think how much they've just saved me.