OK, a bit blunt but some questions first:
Did you lose the front or back wheel, which brake(s) did you use, did you turn at the same time or did you just fall off because you lost balance.......? I'm not a judge but it might help to identify the cause of your off.
I've been taught that riding on different surfaces is my call as to speed and action I take. Recognising the surface conditions is the ultimate trigger of necessary action for riding through it. There are numerous roads over here annually redressed with tar/chippings in patches or totally and I wouldn't under-estimate the danger on two wheels
A past friend of mine volunteered one day that he'd put his car in a ditch but it wasn't his fault, it was the wet leaves on the road.
Just yesterday I way riding down a gravelly road with some friends and one of them said she didn't know how to deal with it, just braked. I asked which brake and she said just the front.
To answer the finish of your reply I can assure you I'm long from being anywhere near perfect. I attended a 'Prévention Moto' morning organised by my Insurance company over here Wednesday last week (11th July) and rode a number of slow bike control excercises and I have to report I was well below par for completing tight circles, figure of eight and slalom (no chippings in sight). I'm not happy with that and am now minded to test myself more on the same little challenges.
I hope that explains my earlier post more and puts it in perspective but also a bigger question asking ourselves about our actions before assuming someone else was to blame.
Honestly no intention to annoy you or anyone else was intended.
Joe Rocket.