I started riding at 50. A few months in, I took a fall off of Mia - my one real fall. Jan 2009, I hit a small rock with my lower back, and it was only this last March that I was able to start jogging again. 40 years of jogging, and then a 4 year lay-off. And even now, my lower right back sometimes swells up after riding.
My advice would be to take falls seriously. Every passing year makes it harder to recover from a bad fall.
I switched to using an Aussie-style saddle instead of an English one:
When the horse hits the fan, a saddle like that has a lot of features to help one survive. I've tried both of my English saddles on Mia this week, and may switch back to my AP saddle as my primary saddle - but that is 4 years of riding later. And I will probably ALWAYS use the Aussie-style saddle as my go-to saddle for riding in the desert. There are just too many large rocks where I ride. I cannot afford to fall. Once could kill me.
Mia in my jump saddle from a couple of days ago, just because I like her:
But from a safety viewpoint, I think it is obvious the top picture offers greater safety if something starts to go very wrong...