rsbob 

Last time I went down at speed on a road bike was while riding with 4 other guys when it started raining. The wind was blowing so we assumed an echelon formation. We headed over RXR tracks at a 45* in this formation when the lead rider’s back tire slips out and nails my front wheel, taking me down and me taking down the guy on my left. Since the road was so wet, and we were doing about 18, had a fairly long slide, shredding my brand new rain jacket and old shorts. Showers were intestine after that.

That experience swore me off echeloning and taught me a healthy respect for wet tracks.

In regard to MTB, I lost count long ago how many times I crashed, especially the first few years. Bled a lot. A ride without crashing was one to be celebrated.