See, I like these rules, these seem like common sense rules to me. I'm not trying to avoid removing all risk taking from her, not by any stretch, but I do want to make sure that serious consequences are averted. Everything you've described is what I'm aiming for.

The bit that's clear to me though from yours and others comments is that there are some activities that I see as more life impacting than others do and that I need to reassess those which I am actively doing as part of reading these comments etc.

The sofa for example is where I see her pivoting forwards and going to the floor head first. The running in the house is the same thing, esp as there are lots of pointy bits of furniture like tables and shelving around. The umbrella is because of the long metal spikey bits. I need to change my approach with these so that I remind her of the risks and encourage her to consider these and manage her own mitigations of them without her being fearful of risks. I know I want to get a big rug for the lounge to provide at least a little bit of a softer landing for her, and as for running, she still does that sometimes, but ever since she did bounce back and properly cracked the back of her head on the floor she's not done it as much since. In that situation though, I can't help feeling that she was just very very lucky rather than it being an acceptable risk.