It sounds like things are slowly coming along for you. That's really great.

I don't have much to add from the bike crashing experience, but possibly my best friend's story will help?

She was thrown from her horse a couple years ago, broke multiple bones, 5 days in the hospital, pins, etc. She was completely unable to use both arms for about 3 weeks, relying on friends for everything (and I mean *everything*). 6 weeks in, she was itching to get back on the horse, and at 12 weeks, they ok'd it for her...and the horse she was riding (a 26 year old school horse) fell....and she broke her arm again.

The second crash affected her so much more than the first. Like you, she was lucky to have awesome insurance, and eventually went on to buy a new horse (the previous ones were school horses and leased horses) - and working with her new horse she was able to get to the point that she felt comfortable riding, walking, doing dressage, trail rides...but she stopped jumping. It just wasn't what she felt comfortable doing. But she *still* spends hours each day at the barn, fussing over her horse.

I hope that you get to the point where you can be ok with the limits you feel you need, but the ability to go to the point that you are comfortable with riding again.