Bob it's not just luck.
Its either mechanical failure due to bad design / manufacture, or use outside of the designed operating procedures.
The fact that your body might be the one which has the tendency to fail young due to bad manufacturing is I suppose luck. But these are things that can be designed out.
For instance on some cameras like the smaller Ricoh or the Pentax Q, they will not suffer this kind of failure.
Obviously for anyone who is doing something professionally for a living, having a spare camera makes a lot of sense, I mean you never know when you might drop it.
Now the reason I'm saying this is we know that the prosumer end of canon fail earlier than most competition devices, because their build quality is sub par, they have a total lack of seals which allows more dust etc inside, use more plastic and less mag etc. This isn't a jar boo sucks to OP at all, just something to keep in mind.
The difference between taking apart a 300D which shutter froze shut (I kid you not, iceland!) and a K200D which had been accidentally dropped is enough to make me never consider canon for myself.
However in this case it looks like the shutter won't have been able to damage the CCD, and its very unlikely the pin will have either. Meaning a fix is very doable.