i bet the more useful metrics are length of trip, average speed of the cars around you, and if you need to cross stop signs/intersections. dutch bike trips are often very short and the speed limits are low. you do not share the road with 35mph+ traffic as is common in america. intersections are the place where people get hurt on bikes the most and it’s more likely in american biking you will cross them. this one is where the separate infrastructure really comes in to play
Except for the time on a quiet suburban street when my drivetrain inexplicably locked up (never figured out what actually happened) and threw me over the handlebars, or the time when there wasn't much traffic around but there was some slippery garbage truck sludge exudate that I didn't see, which I wiped out on. My helmet saved me in both of those situations too.
It turns out that shit happens in general no matter who or where you are, and that dressing for safety actually does keep you safe. An inflated sense of ability to protect oneself does not amount to protection in the event of a crash.
And yes I use bike fairly often. I know multiple people who use bike fairly often. The only people actually hitting protective gear that often are the ones doing mountain biking. (Which seems to be genuinly dangerous even with the gear.)