Some day, Toby, you'll drop the sharp edge of a pannier onto your ankle--with all the weight of the bike behind it. Do this on a surface more solid than gooey mud, and you'll know why I wear motocross boots, not hikers.
There are other ways to break an ankle or tibia on a bike (which you can research as easily as I can), but that's the one I've had experience with.
An alternative: continue to trust in your skills and your luck. I'm fine with that if you are.
Mark
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