I haven’t had a chance to read all the posts yet; but a few things I wanted to mention. I brought a long a Welsh cob from the age of 2 through PSG being his only rider. I purchased him with the idea of flipping him, but life circumstances intervened, and I lost my heart horse who I had earned my bronze on, and this guy had to step up to the plate. I would not have been able to have had the success that I did without the coach I had at the time (through almost his entire career with me). Due to severe rheumatoid arthritis my coach no longer rode, or if she did it was only her own horses on trails.
I also know of two riders locally who have been with their coach for a long time who have had much success riding up through the levels and training their horses. She also hung up her riding boots many, many years ago.
Both of these women (coaches) have a very good eye, have at least been Learner judges and continue to gain education through clinics, etc, and did have a successful career riding and training prior to being side lined from the saddle. Also, they both understand and provide a lot of help with groundwork which can successfully address a lot of issues in the saddle - may take more time and patience but in the long wrong is sometimes better.
As for the pelvis fracture, I had a horse flip over on me when I was 27 fracturing my pelvis. It took a while for me to be able to get back into the saddle (4 months if I remember correctly). I’m 59 now and still back and start my own. I still am reminded of my injury from time to time but usually it’s age and weather related. I don’t know if I suffered the same injury now if I would have been able to bounce back and everyone is different; but, I have worked hard to remain flexible and in shape otherwise which I think helps.