(also my understanding of the curve, based on our national level hospital statistics, is that a substantial fraction of the really bad wrecks happen to people with under 500 hours)
My wife's a horse trainer. I could go down a long list of injuries of various severity that she's suffered over the years. There's at least one concussion (that I know of!) in there and a solid whack to the face that drew lots of blood but no other noticeable injury.
And that reminds me of the software developer I used to work with who was also previously a horse trainer but switched to software after being run over and breaking five ribs.
Unfortunately, this stuff is considered expected and accepted [shrug].
Then again, I knew someone whose wife did intake at a nearby ER and pretty much all of their equine-related injuries came from the same trail riding outfit nearby!