Yeah, it sure helps to have the right gear when body meets the hard surface of whatever it is you end up sliding along/bouncing off etc.
The insurance thing is a bummer - but I'm sure you'll learn something about that out of this incident (either it becomes a priority with your bike ownership, or you still don't consider it a biggie - some people would still think that after an experience like yours).
As for ABS my hubby said the same thing when i had my spill - "if only you'd had ABS you might not have lost control of the bike in your braking". I'm pretty certain it wouldn't have saved my ass. However I was lucky enough to walk away with only a broken collar bone; my gear took the brunt of everything else, and I considered it an enormously valuable lesson learnt.
you've walked away from yours and I hope that the lessons you've learnt will stand you in good stead for the remainder of your riding days!
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