I did almost the exact same thing last week, only at 30mph. I broke my clutch lever and did some minimal cosmetic damage. My jacket had some cool rashing on the forearm now, which I guess is good for some "street-cred".
I have found, at least for me, that crashes happen when things are going really great. The bike is handling good, your feeling good about everything, and you feel like you can just push that that little bit beyond your/the bikes ability. I havent ever recieved any warning signs for crashes, if I could see them coming I would avoid them.
I noticed the mention of your MP3 player. It seems that people are constantly getting injured from things in pockets. I still remember a thread on THR where people advocated carrying full sized pistols in shoulder holsters on bikes, ouch.