My personal experience is that my gravel bike is much harder to "save" than a mountain bike. Something surprises you on a trail and it's easy to wipe out. I tend to crash at least once in every event I've ridden (although I rarely fall on local trails that I know well). Could be the geometry, could be the narrower hand position, could be rigid frame and fork, could be that local stuff is better on a mountain bike, could be that I just suck.