I don't plan on ever dropping my bike as a matter of fact. I don't expect to wreck my cars, or drop my bike. I know it may happen, but to expect it to? No thanks. I have way more optimism than that. I wouldn't ride if I expected to wipe out. Dropping a bike every three years sounds a lot more like a riding style issue than anything else.
Incidentally, my friend dropped my bike just before I bought it from him. He was going like 5mph and hit the front brake too hard on wet pavement.
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