I've had a few ~30mph scooter spills in the past three years - a couple of lowsides from loss of traction owing to cornering too harshly in poor weather and poor surfaces (scooters exacerbate this owing to not having much lean angle to play with), as well as an 18 year old kid in a car who pulled out of a parked position behind a bus and did a u-turn as I was overtaking the bus - but none the worse for wear other than a scratched visor and a slightly scraped elbow (and an insurance payout to replace my bike).
Ironically, I've travelled much further in total on my big bike (but over shorter time periods) with no incidents at all, yet was pushing myself through twisty mountain roads and much higher speeds. But I had the experience to watch extra carefully for road surface quality and dial right back in bad weather.
You've got to die sometime. You only have a short time on this planet. Do you want to live fearfully and protect all that you have until your grave (when you'll lose it all anyway), or do you want to go out and live a little?
At least on a motorbike you're more likely to hurt yourself than other people. I find driving a car, on the other hand, quite a scary experience owing to how large it is and how little vision you have of everything around you. It would be so easy to hit something small while reversing (a child, say), or clip something (like a cyclist) going around a corner.
(I should add that I rarely ever go on my scooter without protective jacket, and almost never on my big bike without protective trousers and boots too. I never ride without gloves or full-face helmet.)