Quote: You either go out with the kit to photograph other skiers and not ski yourself or you go out skiing and take a compact because if you do fall over, you've a lot of expensive kit to damage and you are more than likely to damage yourself if you fall on it. You will also need a secure racksack as you don't want a camera bag flopping about causing you to go off-balance.
What David said but to add that broken gear will be a pain in the armse - a full kit bag could also cause pretty severe damage to your back if you fell onto it. I would take a compact for on the slope shooting (the Olympuse Mju 770 [among others] is waterproof, shockproof and works down to -10*C) rather than risk a DSLR (or my back).
I think this is a personal call really. My view is that I like to have my camera with me when I'm doing stuff - Mountain Biking, skiing, walking the dog, whatever. Yes I know that this has risks to my person and my equipment. But I accept that risk and get the pictures I want.
For the record I crash my bike regularly and came a cropper off-piste a few times skiing and neither my self or my gear was damaged (well not quite true, I've broken a few ribs and am still having physio on my shoulder from bike smashes - but these were nothing to do with my camera).