There is a photo from Saturday's huge Tour de France crash that could be used to illustrate the OP's point. In it you can see perhaps a dozen broken frames; many at top and down tubes. So, what, an easy $60 grand of ruined bikes? By contrast, there is the famous footage from "Water Carriers and Kings" (title from memory and wrong, but close) of a rider bending his 1970 steel fork straight enough to ride and finish by hand after a multi-rider crash. Most of the rest had already mounted their bikes and gone.