Thanks Kevin Daly and v65. When in old England they ate on pewter, and tomatoes were eaten, people got sick and died -- tomatoes were considered poison (when, in fact, the tomato's acids leached the lead from the pewter -- the real killer). Yes, there was a problem -- but, the difference between v65's correlation and causation is evident.
What's needed is a study/plan without "an axe to grind" -- and that certainly isn't the IIHS. Maybe, not even the AMA? What's needed is an objective 3rd party (The Hurt Report is as close to that standard as we've ever had).
I especially liked Kevin Daly's equation of factors involved -- a correct (but difficult to implement) analysis, imo. Those factors are all variable and have varying effects and the equation becomes quite involved -- maybe opening more inspection than providing answers? Age/experience, for example, can be a 'double-edged-sword'. Young reflexes v/s old age decrepitude. Experience based on training, study, and practice v/s one year of experience 10 (or 20) years over. Picking a number just won't work. Some other factors in the equation are exposure and speed (the latter, one the IIHS loves to exploit). Those who ride alot and are easily, statistically, verifiable can have an inverse effect by virtue of their 'exposure' (gamble). As 'safety-crats' will want to do -- slow everyone down -- slow speeds just don't pass the safety 'litmus test', either. Speed differential is the problem.
My take: Decisions seem to be the critical component. Decisions whether to wear a helmet and protective gear, for instance, are very telling on where a rider will end-up on any statistics chart. Those types of decisions determine how and where they ride and (now for the m/c, FJR content) the type of bike they choose. In our case, it's the balanced performance, competent, safe, and hopefully statistically un-blemished FJR.