Never been hurt skiing(430 days), I am willing to bet my first serious injury will come from Mountain Biking and not skiing.
I've been skiing for 24 years - suffered a torn MCL, LCL and rotator cuff in a slide-for-life in the mid 90's. I got into crazy drops-and-ladders freeride mtbing in 99 and suffered anything from a fractured clavicle to concussions to broked ribs to bruised internal organs every season from 99 to 2005. And I wore full body armor and a moto-x helmet. After assisting in my second spinal chord evacuation in 2005, I sold all my gear and walked away for good. Some of the guys I rode with have yet to get a bruise, but some are paralyzed from the chest down. Not trying to freak you out on mtbing - it is a lot of fun and hopefully you never get seriously worked. Granted, I was into the risky fringe of mtbing, but it's not a sport I can imagine myself doing when I'm 65.