Just turned 48yo. Love the OW, and my 10yo son loved it so much I bought him one last Christmas. Lemmie, tell you, it is a blast to go for father-son rides.
I've only had one accident, and it was very early on, going less than 2mph. No broken bones, but I couldn't even write with a pen the next day. And that was WITH wrist guards. Hip / butt / flank was very bruised. Several hundred miles since then without accident.
I rec full pads and helmet. The crashes happen with little warning, and pavement isn't nearly as forgiving as snow!!