Think about your housemate. She almost lost you! I'm betting she's terrified at the thought of you taking risks again.

She doesn't have short-term memory loss.

She remembers the accident and the time in the hospital.

She knows the consequences.

She might be the best guide. And if, as you say, you are still having "off days" from an accident 5 years ago, please listen to her.

I don't mean to sound harsh, but head-injuries are notorious for messing with a person's judgement and sense of risk and consequence.