I finally switched to clipless and only fell once, but am still scared

[aicabsolut]

Now I just have to figure out how the bike is more dangerous than the horse.

A bike is not more dangerous than a horse. You ought to wear a helmet on both (this coming from someone who doesn't yet wear the new mandatory approved helmets for showjumping.. I will probably get one next month--I'm not riding right now anyway).

At least on a horse, you usually don't fall on pavement. But I've taken a nasty spill on soft sand (the horse fell down too), and had quite the concussion. Get a riding helmet TOO.