+1 about crashing. I am not a hardcore Category road racer but have crashed in an event (caused by another person) and broke my collar bone. The next year I caused a more serious accident and destroyed my shoulder joint on a friendly ride (only myself hurt).

Part of cycling on roads is that even if you are the most careful rider there is always someone else, either a motorist or another cyclist who can cause you to have an accident. And those accidents can mean major damage.

But enough about the downside of cycling- there's so many good parts too. And yes you can never have too many bikes. Enjoy yourself!