I totally agree regarding the lowered seat, flats, and pads! I'm never going to be a big air / freerider, but I am making an effort to be more proficient when it comes to TTF or sections of trail that are just plain difficult and/or scary.
This year, I've been switching back and forth between flats and clip-in pedals on a monthly basis. (August is a clip-in month, Sept. will be flat, etc.) I don't understand exactly why, but each switch seems to bring additional balance and confidence; regardless of whether I'm switching to flats after some time clipped-in or visa versa.
Over the winter, I bought a set of those G-Form elbow and knee pads. I know that I look like a total dork -- wearing pads as I cautiously over-brake all the downhills and generally stink-up the technical features. But that said, the pads do lend an extra level of confidence. That little bit of foam allows me to try stuff that I was unable to try last year. Which of course, leads to building skills!
I also went on a little spending spree and got a dropper seat-post. I got the Fox that has three settings -- "climb", "trail", and "descend" -- or regular, 1 inch drop and 5 inch drop. In hindsight, I wish I would have got the one that had a 4 inch drop instead. I can see where somebody who's flying around on jumps and super-steep terrian would want 5"; but the 4" would have been a better fit for my not so narly style.