PINT of Stella. mate!
Many, many Scotches
And who's not to say that you leave the bike at home, walk to the shop and get hit by a falling piece of masonry? That sort of thing happens all the time!^^
I agree just because there is a unlikely scenario doesn't mean the consequences cant be just as bad. A crash is a crash.
I rode up the shops when I was younger yes I was wearing my helmet, I ride on the side of the road when the walk way is taken up, obviously pedestrians have right of way. I came up to the side of a car sitting at the lights only to have the lady open her door on me. I was rolling not going fast so luckily I was able to stay on the bike just got launched forward, face into door, resulted in a numb face that was it.
But shows that even a simple situation and low risk can still result in something random.
Again who's to say your forks or front wheel doesn't collapse, might be rare and unlikely but still very possible, as I stated early it happened to a members brother on here just rolling around the back yard.
I'm all for acceptable levels of risk/ factors of safety and all that but if you start to try and legislate against every risk - no matter how small- you'll soon find that the world becomes a much duller place to live.