Just wanted to throw in my story. Had a not-so-bad wreck, in the grand scheme of things (no blood, somehow!) but I had a vertebral burst fracture, spinal canal was impinged (fortunately, no paralysis). 10 days in the hospital for me, total bill was close to 160K? I think? Thank goodness for insurance.

I ride, but not as bravely as I did before. Speed is no longer thrilling, but I like going UP hills much more than I used to!

It's tough to think about whether or not you will ride when you're stuck in a position where you can't. And it's also tough, because the longer you're off the bike, the more time you have to build up fear. This is going to seem like sort of weird advice, but I would find something else that has always interested you - maybe you want to learn stained glass, or how to rock climb, or learn Swahili, who knows. And concentrate on whatever that is for awhile. Sort of how thinking of anything besides a major problem can cause the solution to that problem to magically appear? It lets your subconscious think about whether you want to ride without all of the pressure. Dwelling on it, you'll be making decisions and second-guessing them every 5 seconds.

Also remember that whatever you decide now isn't the end-all be-all of the story, either. Say you decide you don't want the Ruby. You can save up and get it next year, if a few months off the bike makes you realize you changed your mind.

Good luck, and I hope you heal quickly.