I'm strange... if I see an ambulance I get nervous. When intellectually I know that if I can't see it, that's when I should be nervous, because if I don't KNOW an ambulance is there then there's always that what-if. That being said. I agree that the majority of accidents are rider error. Or horses that aren't well enough trained moving up too quickly (which again is in essence rider error). My horse is lovely, educated, but can be hard to sit up sometimes - so I use a slightly stronger bit on him to remind him that he DOES have to listen - but not THAT strong, it's a kimblewick but I don't often use the slots. He can jump all strung out, and clear a decent sized jump, but I'd rather not risk it. So sometimes it's equipment-related too. All you can do is make sure you have the right equipment, a clue about what you're doing, and a horse that's well enough trained for the level it's competing. I've seen someone competing C grade on a standie that paces sometimes under saddle... tried not to actually physically cringe where they could see me but it was difficult not to! I compete E grade because I am not a good enough rider yet to be able to see the stride far enough out to correct it if it's off. I can see 3 strides out whether I'm going to be long, close, or just right, but that's not enough time to adjust my lad's stride and hit the right spot. At home, and over SJ style fences, I'll jump much higher than E grade - we're training up to 1m over SJ style - but over solid stuff I need to know my boy can clear it no matter what spot I put him in. I could put him in D grade easily enough and still know he can clear it regardless of what I do. He can jump C grade height/width from a bad spot too, but C grade courses are too technical for me at this stage. HE has done higher than that, from my knowledge, but I'm not ready for it.