I agree with another poster on here who said - it's a risky and can be expensive hobby.
Once you get that in your psyche - it makes the worry easier to handle
That said - my most frustrating moments as an RC pilot have come from the "random" crash - or one that didn't seem to be my doing. But here's the bad part...
Of the crashed that seemed random - 90% of them were somehow my doing
Here are some of the mistakes I have made:
1. Bad solder joints - wrecked a TREX 600 flybarless - $250.00
2. Didn't tighten the "Jesus" bolt on a regular bolt check - remarkably on $50.00
3. Probably $1000.00 in several crashes doing maneuvers I wasn't ready for
4. PHANTOM - set second waypoint behind first waypoint and used a banked turn on iPad Groundstation - not considering a tree/altitude correctly.... maybe $20.00 (new blade, gimbal dampners and 2 Gimbal dampner locks)
The closest I got to a Phantom fly-away was another altitude issue combined with bank turns where I set the lowest altitude too low and crashed into some grass. Though I think the design of how the iPad Ground station and Phantom measure altitude could be more user friendly - it turns out the fault was really mine... for being too cocky having had the Phantom for exactly a week LOL.
The only absolute random "fly away" issue I had was with the Align FBS - it's firmware was pretty buggy and I had an issue where it got out of control for a few seconds before I brought it down hard (luckily only minor breakages).
I guess - the crux of my response is - it may seem like people are exaggerating when they state things like "almost all" fly-aways are newb pilot errors... but it probably is a lot more user error than anything else.
The one subject that really has my interest lately is the early auto-landing thing... that one bugs me a lot because in Florida you cross little bodies of water almost everywhere...