My last two bike crashes:
June, Berlin, Germany: No memory of it. Woke up in the emergency room (wheel spindle sheared off and fork collapsed into front wheel). Concussion, scrapes, no other damage to bike outside of broken front wheel.
This week, Florida, NY: Hit a patch of black ice, had time to think 'I'm going down' and I was down. No time to react or get scared. No serious injury/damage.
In both instances I was down before had a chance to get scared. The first crash: zero memory of it happening at all. Scary and not scary at the same time. Last bike crash was 12 years prior and I was down before I had time to get scared too. That has been my limited (thankfully) crash experience.