So is. I do not count a fall on the road, because there will be a break, but the hard pannier can save a leg. But in off road complicated (with rocks and helping with the legs) ... a fall with hard panniers, sure is a break of the pannier. With soft paniers, you can even save the bike from some damage. I would not, hard off road, with the S10, I prefer my wr 450. It's like having sex with someone of 280 kg, and me down ..... something is going to break
I don't worry about panniers breaking as much as limbs.
FYI, triumph has a neat system of having the panniers pop off if hit, my buddy "tested" this successfully on the Lolo Motorway