Whether it is a crash into a tree or a wipe-out in the dirt, mountain biking accidents usually hurt lesser than a car crash or a fall on the pavement. Of course, the exception to this are major accidents such as a wipe-out over a 30 foot cliff. Also, the bikes are tougher, hence have lesser chances of getting damaged.
The likelihood of other tourists reaching here is minuscule, and you can connect with the locals much more closely. If you're lucky, you might even be able to find a hidden wonder within your own city.
However, by adding mountain biking to the mix, the feeling of being able to get through a day expedition solely relying on yourself is very satisfying. Also, knowing how to take care of mishaps, means that you might be able to help some poor soul who doesn't, which is even better.