Welp, one fact of physics is that with four wheels, you don't fall down. With two wheels, you can.

However, I can tell you that with my studded tyres on, I'm sliding a lot less than cars, and if I *do* go into a ditch, I can get out mroe easily

On the third hand, though, if I it something in the car, it's less dangerous to me than if I hit something on the bike.

It's one of those "define your acceptable risk" situations.