I started clipping in last summer and have managed to not fall yet. Everyone warned me that it WILL happen, so I'm not going to be surprised when it does. As for that touching the ground from the saddle thing, I was doing the same thing. I have been really struggling to get my bike to fit. I always just put my toe down when I stopped and just tumbled to the fact that I shouldn't be able to reach the ground this spring. Getting farther away from my pedals made the fit feel better, but what a surprise the first time I stopped and had to get off the saddle, fast! Rather than slightly tilting the bike to the side I'm unclipped on, it works much better for me to just slide forward and off the saddle completely and stand on the unclipped foot. I keep the other foot clipped and at the top of the stroke so when I'm ready to move I just stand up on the clipped side and I'm off!

Now that I said out loud (kind of) that I haven't fallen, it will probably be the first thing I do the next time out! :-)