Likewise here, in 20 years of daily bike commuting, all weather, year-round, I've had one crash and a tiny handful of near misses. The crash involved hitting a

Likewise here, in 20 years of daily bike commuting, all weather, year-round, I've had one crash and a tiny handful of near misses. The crash involved hitting a patch of ice going around a turn, after an unexpected cold snap. I got studded tires for my winter bike right after that. The friends I've had, who've gotten in crashes, were mostly off-road riders where crashes are expected, or competitive riders.