Entirely correct. Equally, wearing ATGATT won't prevent crashes.
However, having insurance when an earthquake rogers your house prevents financial ruin (found THAT out), and wearing ATGATT when a crash happens prevents as many injuries as it can.
Better insurance policies give better protection. Better gear does too.
Nothing can totally prevent injury in the event of a nasty bin, but it's good idea to wear good gear, all the time when riding.
Dismounting soapbox.
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