I am not sure what would keep me from riding. An injury like carolp’s when I was 40ish
changed what I did for a bit, it took about 2 years before jumping was not VERY painful, but I rode about a month after being able to weight bear (again, I can’t imagine not riding, I hope I don’t have to face that anytime soon).
I also guess I am blessed by great mares in my life. My normally way too spooky, quick to shy mare was a ROCK during my recoveries. With the collarbone, she learned to put her head nearly on the floor to help me bridle, and I would stand above her on a stool to plop the saddle on her (I was one handed when I started riding again that time). She actually sucked IN her gut to help me girth. With the ankle, she was 100% behaved, we even had a rabbit leap out and hit her broadside while I was mounting and she didn’t move. She lined me up at the mounting block (she would adjust where I told her too if she thought I was a bit off and she was always right) and let me really “lean” on her to mount and dismount. I swear she “knew” how my ankle/leg was on any one day. Of everything though, I think the cutest thing was that she walked SO slow and with such tiny baby steps when I would lead her when I was just walking. It was the cutest thing - she is a huge mare and to see making this tiny steps was almost surreal. This is a mare that is NOT affectionate 99% of the time and is not known for her compliant nature. The better I got, the more her own personality came back.
Now, to be fair, the leg/ankle injury was from a dog attack. I have had one somewhat annoying riding injury (shattered clavicle) but I was 10 years younger and I was back to jumping 3’+ bareback about 8 weeks after…
I guess I am one that doesn’t get the I’ll never ride/drive etc thing after a horse injury- after a bad car accident, I drove again. Lots. Yes, to be honest, I am more aware of when I see someone come up fast behind me again when I as stopped/turning, but I don’t panic.
I have become much less tolerant of loose dogs, however, or owners proud of their “guard dogs.” I do get an extra shot of adrenaline when I perceive a dog might be barking at me or “chasing me” but, I haven’t shuttered myself in the house because of it either.
My trick during my recovery was to “wallow” in depression and negative thoughts about what I couldn’t/wouldn’t for half an hour a day while I ate a 3 musketeers bar. The rest of the time was positive thoughts. The one change I will make next time I am badly injured (and did make when I sprained that ankle badly and strained my rotator cuff in a horse fall) is actually try to get physcially active MUCH earlier than I did before. There is a time to totally rest and then a time to get back into things again. I worked out with my personal trainer 3 days after the ankle sprain (which is NOT worse than a break, btw…). He even thought I was nuts! But, I was able to ride in a clinic a month after that fall!