I hit a speed bump, a high pavement separator, a ridge of gravel, a stick. The handlebars rip out of my hands and the front tire twists sideways, grabbing the pavement. The seat kicks up and over I go. Diamondback MTB, Pacific Quantum MTB twice, Huffy Savannah cruiser, once.
Posters on roadbikereview.com suggested I hold on the the handlebars. Yeah, right. Modern bikes have quick steering, ie not much trail. My Mother's 1946 Firestone with the same 26"x2" tires as now had more trail & was stable even riding across rough railroad tracks. I checked >200 frames on a website, all 26" tire frames had exactly the same trail. I contacted a custom frame builder, he refused to "experiment" with more front fork trail. Thus I bought the cargo bike, that has the same trail but puts more of my weight on the front tire. 3 years, 6000 miles, no such accidents.
If I worked out more to build up my arm muscles, it would just tear up my joints. Already had a cyst on thumb joint just from thumb shifter. My upper body is lightened up to fall down on wet WVa rocks without damage. My bones are WVa native Am, not european.