Oh boy, do I hear you. I wish I had advice - just lots of sympathy, because I'm in the same place right now. It *is* way easier emotionally to just cut something out, than to cut it back and find different ways of doing it. Do take advantage of the enforced break of the winter weather ... put out some feelers for less challenging rides, fire roads, etc., where you might be able to ride with less risk of falling. January isn't the time to be stressing about what might happen in May (yeah, okay, I'm stressing about what might happen in April, but that's DIFFERENT. ). Use this time to heal, re-group, find other ways to get inside your head (or outside it, whichever it is that the trails bring you). Hang in there.