Sudden stops hurt. Gear helps but isn't everything. I had a get-off this year, first in 31 years, at between 80 and 100. I hit a guardrail and/or the bike at the end. I did break my collarbone and a couple of ribs as well as knock the wind out of myself. That was it. The boots with their bracing probably saved some ankle damage. Absolutely NO roadrash though, and no pains other than the breaks. I'll take that any day. Roadrash HURTS! The collarbone and ribs only hurt when you moved wrong... or the ribs when you sneezed... or coughed... or took a deep breath... or tried to lay down..... The ribs just SUCKED. Had I not had the hard impact I probably would have walked away absolutely unscathed.
Best advice is wear good gear and DON'T screw around where there are things to hit that don't move. Safe following distances in traffic, even excessive, and constant awareness of your surroundings. The gear is your best line of defense when all else has failed.
Keeping the "Hap" in "Happy Holidays"!
Regime change begins at home.
Blind patriotism is worse than no patriotism.