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Please don't wear clip in shoes in traffic, they are great for races but they absolutely suck if you have to be able to put your foot down on a moments notice. I know several people with serious ankle injuries due to wearing those in traffic.

Likewise here, in 20 years of daily bike commuting, all weather, year-round, I've had one crash and a tiny handful of near misses. The crash involved hitting a patch of ice going around a turn, after an unexpected cold snap. I got studded tires for my winter bike right after that.

The friends I've had, who've gotten in crashes, were mostly off-road riders where crashes are expected, or competitive riders.

That seemed like a lifetime count of wipeouts (including as a kid and while learning). I don’t know my lifetime count, but I could believe it’s around 100.