Only had one incident which scared me, though it was also quite a comedy moment too. Riding what used to be my local loop up the Dee, out of Aberdeen.
Managed to come off very narrow singletrack, fall through a gorse bush and ended up hanging upside down over a 30 foot drop into the Dee. I’d somehow managed to tangle my legs up through the frame too, which was good as the bike was the only thing stopping a headfirst descent, stuck as it was, in the bush. Barely dared to breath, let alone move.
Hung there for what seemed like ages (prolly 10 mins or so) and then swallowed my pride and started yelling. Eventually some kids showed up and they fetched their big bros to come have a laugh before hauling me back up to the path.
Got away with bruised legs, and sad to say, I’m no more cautious now!