No disrespect intended by me on this post. I am very sorry that you went down and hope the cage pays big $$$$$ to you.
On the laying it down theme, I think you already said that you didn't lay it down but it went down. That is what is almost always the case when anyone says "they had to lay it down". The real story is rather that they stomped the rear brake, lost control from the skid and went down out of control. Don't ask me how I know this. Been there done that.(1972)
"The fact is" your tires and brakes have way better stopping energy than that of your leather ass, elbows, knees, etc. All bikes should have anti locks but don't. Almost all cruiser type bikes don't have enough front brakes to get you in trouble on a dry road. Anyone that "had to lay it down" but didn't even slide up the the car could have stayed on the bike and stopped. They simply put too much rear brake into a PANIC stop and busted their butt.
Lets all learn from this and practice our braking skills.
ALL BIKES WITHOUT ANTI LOCKS WILL LOCK THE REARS AND PUT YOU ON THE ASPHALT.
This is why. Lets think about what happens when braking ANY vehicle. As the bike or car is slowed down the weight is transfered to the front of the bike. MORE weight equals MORE TRACTION. So the faster you stop, the MORE TRACTION you have on the front and the LESS TRACTION you have on the rear. And on our bike we also have a BIG FAT LEG to push that rear brake with. BAD COMBO!! Be afraid of the REAR brake, not the front. Control the stop with the front, adding what you can to the rear.
Heck, the sport bike guys can raise the rear wheel off the ground anytime they want. How much traction is there on a tire thats not on the ground?
Use both, but think about what is going on when you do. I try to ALWAYS go for the front brake FIRST at every stop to train that action to be what happens in a panic stop. By first, I mean just a split second ahead of. I do this because whatever you do on a NORMAL stop is what you will do in the panic stop. I reach for the front to control the rate of stop and add some rear to help out. The front will safe your BUTT, the rear will hurt your BUTT. Both used right is the best.
I am not an instructor or anything like that. These are just my thoughts on the subject. I have never taken a class of any kind but have been riding for over 40 years with just that one crash on the streets. And boys and girls, I haven't been riding what we might call "safe" on the streets. So take it with a grain of salt, but do practice your stops.