I have used both kinds of pedals mentioned here in the past year the exception being my speedplays are X series not frogs. It really is an individual thing. Clips are good when you have to stop in a panic situation and would not have time or remember to unclip, but in reality those stops are rare. While clipless gives you the ability to put more of you muscle power behind the pedal, plus you don't have to worry about loosing your pedal if you stand. I've actually had it happen more then once.
And trust me falling from clipless accidents are more embarressing then anything, unless you fall in front of traffic. Unless of course you break easily then it may be bad. In fact I fell yesterday clipless, just a sore hip and a laugh was all.