I like the perspective. I know a couple of local guys who ride maybe 5,000 miles a year (or less) and consider themselves to be "good" riders. Despite the fact that they are moderately aggressive and pretty capable of keeping up in the twisties, they have had a number of "incidents" in the past 10 years or so. Of course, these were not their fault and couldn't have been avoided by anybody!!! Perhaps they avoided the accidents where they would be considered "at fault" by having an acceptable level of technical competence. But what about dropping the bike when they were cut off, someone pulling out in front of them, running into a "surprise" after cresting a blind hill or mixing it up with an "at fault" fellow rider while travelling in (too) close formation?
Being a good rider is far more about situational awareness than it is about riding fast on technically challenging roads. I expect that there have been hundreds of times that I could have gotten into an accident that would not have been my fault. A muttered explicative, middle finger salute and ride on!! (Then watch out for the next time.) I won't say that I have never had a close call that might have been my fault but there haven't been many and I have been "lucky" so far.