right now I'm still on the Navigator 50 and I'm using toe cages. I hope that when I get a road bike that it will at least have me a bit more prepared for clipping in and out. I've only fallen a couple times with the cages when I was making a sharp turn and lost balance. Of course it had to be in front of the gorgeous chocolate roadie that had just spoken to me and 3 skinny chickies that had just stepped onto the MONON. One of my feet was trapped under the bike and nearly tangled in the derailleur. The roadie came over to help and strained to pick up the nearly 50# bike off of my foot. I was embarassed, but ok.
I've already talked to several at The Bike Line in both Carmel and Downtown, that when I make the move to a road bike, I will likely go to the pedal types with the platform on one side and clip on the other. I use my bike for everything (basically IS my car) so I will more than likely also use mtb shoes that will clip in and out. This way I won't have to worry about the cleat (waddle) or scratching floors in stores.
Mary