I think the only times in recent memory that I stumbled or fell were all related to walking the dogs. A sudden, unexpected leash pull (oh look, a squirrel!!) when I was distracted and down I went, taking most of the impact on the heel of my hand and one hip. I had to pick gravel out of the hand wound which was bleeding profusely, and my hip area was black and blue!
Another fall because I hadn’t realized both dogs’ leashes had wrapped opposite ways around my legs (again I was distracted) and I landed on one knee with a bit of an abrasion.
In deference to my advancing years (I’ll be 72 in April) I don’t run up and down stairs any more, I walk and hold the rail. I don’t have stairs but clients do. I probably average 15 flights a week.
I’m super careful when it gets snowy and icy. Luckily our driveway is gravel so it’s much easier to walk the dogs down it to get to the road to walk them. No sidewalks but lots of grassed edging that I can walk on which again isn’t slick like pavement is.
My bone density tests are always normal (so far!

) because of a careful diet and exercise.