Seldom???Wow, what a story. Glad you're both ok!
As for skylight shattering, my guess is that skylights have to be made out of something that's not going to shatter. I know my bathroom window (which is in my shower surround) was required to be made out of tempered glass, like automotive glass. It's the same sort of safety issue, although I guess I generally move faster in a car than in my shower, but on the other hand I'm seldom wet and naked in my car. Just in case you were wondering.