Do clipless pedals make that much of a difference?

[SadieKate]

I think the answer is that you two are improperly using your toe clips by not tightening down a strap till your foot can't move or break free if you fall.

Not necessarily. Look at the Toe Clip 45 in her link (it's what I call a half-clip). It doesn't even have a slot for a strap. I use that type on my townie bikes.