I think you are right.
Used to race Motocross and inevitably crashed, broke my ankles and my wrist, smashed my chin on the bars and squashed my gonads. I had all the Motocross protective gear and the dirt still broke me.
I have all the protective gear for the road but I don't race and have not crashed, the only times I have come close is when I have misread an unfamiliar road.
Another problem can be too familiar with the road around where you live when you might have other things on your mind.