But your sense of personal responsibility isn't entirely your own if you also use it to assess other people's experiences. It stops being a personal, privately held, in-your-own-head opinion. You cease to only be taking responsibility for your own actions and their consequences when you start to apply it as a critique to other people. It stops being quite so straightforward.
My falling over in the snow is completely trivial but if I can be held in any measure culpable (there are no accidents just actions and consequences, you say) it can only be for being there on a bicycle when it was a bit slippery.
Like WC, I'm not interested in "winning" (unless there's a prize no one told me about). I found the statement that there are no accidents intriguing because it is quite a significant position to take and has implications for how we view what happens to cyclists everywhere. The logic seems to me that it's possible, always, to blame them at least for being there. If you didn't cause the incident, you at least didn't do everything you could to prevent it.
I think it's possible to reconcile the existence of accidents and your notion personal responsibility by introducing time into the equation. You can have an accident (or in your case a collision) but what matters is what you do next. I sorted out my bike with the studded tyres (and you are probably more assiduous at taking primary). That's taking responsibility but it doesn't require you to be able to see into all possible futures.
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