I’ve got one leg 2” shorter than the other from getting hit by a car on a bike.
So if you are looking for someone to say there is not real risk there, I’m not the one.
I know more people who have been seriously hurt road biking than I do from being in a car accidents, even though I know way more people who drive than road ride and even most road riders probably spend more time in the car.
I actually find mountain biking to be a lot less risky than road riding.