One thing that I have noticed, the amount of time riding has no reflection on how safe a rider is! Simply because they have been lucky for X amount of years does not equate to some mysterious universal karma that says, their time is up! I see plenty of older riders, all suited up who simply are not, as far as I am concerned, riding safely. And we see plenty of young riders who are hell bent on an early demise. I recently spoke to a neighbor, mid 60s who told me he just stopped riding after 40 plus years because he dumped his bike in a round-a-bout. When i questioned him, he had no idea on how to brake properly and looked at me like I was a moron when i mentioned counter steering.
I still contend there are accidents that are just unavoidable but there are more that in hindsight, could have been avoided.