I have SPD's on the road bike and clips on the cross. the clippless are great for racing and feeling locked in. The clips still get you across the country in fine shape however. Just depends on what you want to do. Some days I like looking like a normal person, wearing normal shoes and shirts, when I ride and not like a tropical fish. Other days it is good to go fast and flashy. And yes, we all fall, even with clips. To ride is to chance a fall. I second, wear the helmet. I saw a helmet save a woman's life on RAGBRAI last year. After I showed her the crack in her helmet, she agreed.