My one and only "crash" was due to wet/sleet covered RR tracks. I was with a large group of guys who are, mostly, amateur "racers" and was paying more attention to keeping up with them than crossing the tracks. Down I went. I hit my hip hard, but that was about it. The real challenge was picking myself up after the wind had been knocked out of me fast enough to satisfy the irate motorists who couldn't be bothered to give me a moment.
I'm a lot more careful now but if the tracks are wet (thankfully I don't ride in the rain all that often), I'm liable to get off my bike to cross.
Live with intention. Walk to the edge. Listen hard. Practice wellness. Play with abandon. Laugh. Choose with no regret. Continue to learn. Appreciate your friends. Do what you love. Live as if this is all there is.
--Mary Anne Radmacher