There's also the fact that your brain is hardwired to read pain differently depending on the body part the signals are coming from. Your brain isn't bothered much by the pain notifications it receives from, say, your hips or breasts compared to how over-the-top it gets when it thinks your hands, tongue, or feet (and the rest of the ways you receive sensory data) are under attack.
This might sound like an unfair way of doing things, but it makes sense from an evolutionary perspective. One of the main ways we explore the world, after all, is through walking. If our feet weren't fine-tuned to react oh-so dramatically to injury, then that might lead to us taking a more laissez-faire response to injuries, leading in turn to an increased risk of infection and, inevitably, an increased risk of our species dying out. We'll let you judge whether that's a bad outcome or not.
Likewise, your funny bone is extra-sensitive to the slightest injury because it's basically an obstacle on the nerve superhighway connecting your hands to your brain, otherwise known as the ulnar nerve. This nerve is well-protected along the majority of its length, but when it gets to your elbow, it has to pass by a bone knob (stop giggling) called the medial epicondyle. And like with your toes, this section of elbow doesn't have any padding. When you bang your funny bone, that means your arm is at just the right angle to pin your exposed nerve against the medial epicondyle, resulting in one helluva mental noogie.