I have to agree about the going down....I have been riding for a while , past 30 years I think, and I went down few times. It sticks in your mind, no doubt. You always worry about what you mentioned....tires giving away, chain breaking, bolts coming loose, cows crossing streets, Amish buggy leaving horse shit all over the place... I am always thinking of that and I learned a great deal of my limitation and capabilities. One thing that work for me before I ride, particularly with a group is to check my ego at the door. Some people ride faster, some slower, I just ride in my comfort "zone" and most of those thoughts don't come into play. Also what worked for me to overcome the initial riding fear, was to switch from sports bike to regular cruiser. I bought myself few years ago a Yamaha Vstar 650. Little bike with little power. I felt very secure riding it, since I didn't have all the horsepower to get myself in trouble. With time I regained the confidence to go back to sports bikes and I am glad I never let the fear of falling again , take over me and away from riding. In the end , I understand if you need some time off .....after all there is no sense of riding if you no longer enjoying it....you can always get back riding once again, as soon as you'll regain your confidence. Good luck either way!!