> > I fall off my bike and hit my helmet on pavement once every couple of years or so.
> That seems extremely unusual. Are you MTBing / using skateparks / etc?
As someone who commutes exclusively by bicycle and who goes on 80+ mile rides on the weekend, I used to hit the pavement about once a year. I now ride with elbow pads in addition to a helmet, and I think I've developed a pretty good instinct for what could go sideways. I don't have control over every factor, and being a normal animal that gets tired or distracted, I expect falls to happen again in the future.
Some of the ways I've hit the ground include hitting a patch of icy road after 3 days of 50+F temps because that spot happened to be covered by shadow no matter where the sun was that time of year, hitting a small wet metal grate at the entrance to my employer's parking garage where the bike cage is, and the driver of a truck passing too close and hitting my hand which was out signaling my intention to turn.
Speaking nothing of the hundreds of times I've identified a hazard and avoided it by adjusting my road position, slowing down, bunny hopping, or sometimes even stopping and dismounting when I'm in the middle of the stroad (once when I found myself in a mess of overlapping streetcar tracks all around me). But even with a 99.9% success rate at responding to hazards correctly in the moment, I can expect to fail once every 1,000 hazards or so. That's why I wear protective gear.