I ride in a dressage saddle, with the proper 'classical' position. When I'm jumping, I remain in the proper 'classical' position between fences and only bring my position forward FOR the jumps. Does that mean I'll never be a top-level eventer, because I won't stay in two-point for the course? Maybe. But, it also means I'm a lot less likely to be killed because my horse refused and I was thrown into the 5'+ solid log and broke my neck.
HOWEVER. It doesn't mean I can't have a nasty fall. A few months ago now, I did have a nasty fall, and I mean real nasty. I firmly believe my helmet saved my life. My pupils were not the same size for days afterwards, and I fractured the top of my humerus. As for the helmet, well, it was in far worse shape - MASSIVE cracks in the lining. We were galloping, I lost my stirrups when Monty jumped a ditch (which I should have expected, seeing as he is an eventing horse), and because of that, couldn't stop him, because I couldn't ask him to slow down in the way he's been trained to slow down. So I gradually slid off and ended up coming off on very hard ground. He hadn't slowed up at all so imagine hitting hard ground at a fast gallop... yeah it hurt.
I distinctly remember getting up and walking after Monty, thinking it would be bad if he got to the road, but knowing I wouldn't be able to do anything about it. I remember realising, quite some time later, that my head hurt, pulling off my helmet, and walking onwards. I also remember, some time later, realising my arm hurt, and holding that across my body to reduce the pain. After that, total blank until arriving at the hospital in a stranger's car. I recall thinking that if I wasn't hurt and dizzy, I'd have cleared off ASAP, because I didn't know the guy and I didn't know if he was the sort of person who would take advantage of an injured girl. Plus, I look hot in joddies (the bf thinks I should live in riding gear - what he doesn't know is that I actually do).
So they gave me real strong painkillers at the hospital because I really was in a lot of pain, and about 10 minutes later I went totally out of it again. They thought it was from the painkillers but I think it was probably from my head injury. I wasn't allowed to ride until my arm was better, and I wasn't allowed to canter or jump for a month - mother imposed that one. Lots of new rules were imposed after that one and they haven't all been slackened yet. I'm still not allowed to ride alone and I'd been doing so for two years previously with no issues at all, never even a fall.
Monty is by far the best horse for me out of all the horses I've ever had or ridden, theoretically. He has the education, the temperament, all the right things that I need in a horse. He has the right personality too - bold, brave, but just a little bit sensitive. And yet, he is the horse I have had the worst falls from. I think the reason he is the best horse for me is that he made me realise that as great as I thought I was (as good as I was/am) I still needed a coach. And my coach is amazing, I have learned so much in such a short amount of time. I wish he would let me jump and ride Monty round but hey, we'll get there.