Yeah its more about impact wrt to injury. One Wheel cutoffs tended to vector riders into the ground, so lost of broken collarbones even at slow speeds. I brought up the simplistic approach because reducing the energy a rider has to bleed off in a crash is a blanket mitigation the OP could consider at least as he regains confidence in his equipment. All else equal you just have more margin.
Not a doctor or particularly knowledgable about biomechanics, but I did google an old report on a study that look at collarbone cracking based on angle of attack. It can take more when force is perpendicular vs shallow, 375J at 5degrees but 10K at perpendicular, due to collagen fibers. https://www.scientificamerican.com/article/bone-resilience-depends-o/. I assume the force from your spill was a pretty high angle relative to collarbone, so your collagen fibers were working for you, but just too much force to handle.