Best way to spend your money and get greater safety on the descents -
Get a hardtail or DJ or BMX and spend lots of hard work and time improving your skills in a car park and at a bmx/pump track.
Key to it is hard work and accepting you're going to fall off and it is going to hurt.
More suspension = a harder time learning bike handling
Bike handling skills is the best way of making things safer. That and taking up some form of martial arts so you master the art of falling.