One time my wheels skidded while trying to get on a sidewalk and I would have hit my head if I didn't wear a helmet.
Another time a girl jumped in front of me on the bike lane and I must've had 30 km/h. I pressed the breaks hard and unfortunately the breaks on my front wheel were stronger than those in the back, and my bike overturned with me falling violently on the ground. My left arm still hurts after one month and I had pain in my spleen area that kept me up at night. It's a good thing I also wear protective gloves as a fall like this can really injure your hands.
I'm not a Dutchman and I'd love to live in a bike friendly city like Amsterdam. But protective gear can really save you from serious injury even with no cars around.