dude dont worry beggining of the year is where most of the accidents happen,weather for one everyone nervous about starting the season.Most of the crashes happen from the back.I have taken a year out of racing itching to get back but aswell one of my biggest fears is crashing my pride and joy I forked out 8k on a new bike but im not risking it until I get a few races under my belt best option I would suggest is rac with your winter bike for the first few races then you can bring out your best bike afterwards,once the confidence in the races is there. 

if you dont have a winter bike get a 2nd hand racing bike with aluminium frame, its light enough. if you have compatible gears on both then you can pop your best carbon wheels on the racing iron after you do a few events to get the hang of it. i raced a 10 yr old aluminium fondriest frame last year, and it survived an over the bars crash fine. planet X do a cheap alu frame - & xero lite wheels are light and cheap.

if you want a cheap carbon build, go for a planet x pro sl carbon frame, model b wheels from px then fill in the bits with what you like, i added sram rival, selle italia TLD, tifosi carbon Sp, deda steam cinelli bars and some conti attack force tyres for £1400 !

Hi, I would recommend trying to get out with a group for a few training rides before starting to race. If you gain a bit of experience this way, you'll soon learn not to do the sort of stupid things that tend to cause the crashes in 3rd/4th cat events, and it'll make you feel much more comfortable at the start line too. It'll also make you popular with your fellow competitors on the big day. If you're as confident as possible in your own abilities, then it's just the usual risks of riding in a bunch at speed that you need to worry about (i.e. other people's abilities!). It's actually surprising how few crashes there are when you consider how many people of varying standards there are fighting to get near the front. I would say ride the race bike from the start, relax and enjoy it. Providing you are sensible, the risks of a bad crash are not enormous. Besides, if you're like me, you'll only last a few miles before being dropped in that first race, or you may be much more talented and attacking off the front... Have fun, and good luck with the season! 

Don't worry about crashing, do a long one, get off the front and leave those pesky crashes behind.