You rolls your dice, you takes your chances. I had a friend who was fully dressed and went around a corner at 5mph, he slipped in some rocks and his full face helmet chin guard hit the ground first breaking his neck and killing him instantly. All his protective gear didn't help him. It all comes down to what you believe and who you believe looks out for you...
The funny thing about science is that if you change one miniscule parameter you change the entire outcome to the way you want it.
