I think the probability of damaging your frame in a crash is extremely low. I’ve crashed my allez sprint 4 or 5 times now (never in a race, knock wood) and the only damage it ever sustained was when someone else fell onto my seatstay and dented it (I stayed upright).
You shouldn’t choose a bike based on crash survivability, assuming your price point is set. Especially you’re not looking at carbon. However, I highly recommend getting alloy bars and a low end saddle 😅