If it makes you feel any better, I've been riding clipless (casual riding, not a ton of miles) for a few years and I just had a fall in January. I went bike-shoppping, brought my shoes and peddles along so I'd be able to try them out on the bikes. Well, one of the bikes had the same clipless system as mine, so the shop didn't switch the peddles. Dumb me, I didn't check the tension before riding off...let's just say they were WAY too tight and I could not clip out no matter how hard I tried. I fell over and got a tad scraped up, all the while swearing up a storm in a residential neighborhood. Oops. So the LBS heard a few words from me on the matter and in the future you can bet I'll check tension before I just clip in and ride (fall) off into the sunset.