I had good gear and good boots. The damage was caused by me instinctively putting my leg down while the bike was falling. That’s what snapped my knee. The nerve damage was because the pointy part of the tank (it extends outwards a bit at the top) landed directly on the side of my knee. I’m pretty sure having the riding pants with armor is what kept me from further damage as my kneecap was the first thing to land.
There are rare cases where full volume is necessary, but definitely not for the vast majority of people. For example, my phone is set to about 50% ringer volume, but I’m also on-call for work sometimes and I have that phone constantly set to 100% so I know that I’ll hear it in any circumstance. It also only goes off once every couple of months or so and not constantly.