I ride bareback everywhere more than I do with a saddle. :)
The other day I was loping on Brandy and she twisted her head around suddenly to get a horsefly and of course then her body followed her head real quickly and boom! I went flying and hit the fence.
Lost my balance. I got back on though. It didn't scare me, it just hurt. Second time I've been de-horsed.
And earlier today the new Mustang cow kicked me in the hip... ouch. I'm handing that problem over to my trainer to deal with.