As far as accidents I have been in many but most were on trail bikes.
There were a few dumb moments like when I rode up to a traffic light, it had been raining for maybe 2 minutes. Put my feet down and dropped the bike right there, where my foot landed was very oily with some rain on top. With my sport bikes I had more then one case of, "Watch this". The crowd was entertained but not in a good way for me. Ripped the back fender and light right off my bike once.
I've been hit by various road debris including a bird and some giant bugs that felt like rocks being thrown at me.
All in all gear is good even for minor stuff. I don't want to say everyone will crash at some point but you do never know.