Sure we can do more to reduce the number of bins but to expect 0% bins on the rides seem a bit unrealistic.
The statement "ride at your own pace" is valid but quite a few times, people still crash while riding at their own pace. n00bs are more likely to crash as they lack experience and skill but experts sometimes can crash for a number of reasons as well.
So you should go out on as many rides as possible to gain as much skill and experience as possible to get out of the vunerable position of a n00b and become a safer rider. Ride at your own pace or beyond that if you choose to improve your riding but take a step at a time. If you never push your self and ride within the bubble of your comfort zone, you'll never really improve (if that is your goal in the first place). The key here is taking your time with it and if you want to, push your self little by little to gain more skill. If you take big jumps and bite more than what you can chew, then you run the risk of crashing even more, so pace your learning curve if you can't afford the hospital bills and repair bills.
With experiance greater safety will come as you will know how to control a bike better out of hairy situations or you will know better by not getting into that hairy situation in the first place. Even after all this, crashes can still happen, to anyone! It's a fact of life. All we can do is prevent crashes to the best of our abilities.
Oh yea, after crashes don't forget to anaylise it and learn from it the best you can so that you can try not to repeat the same mistake next time.
Ride safe, take care out there.
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