Chuffin' hell! If all that had happened to me I'm not sure I'd continue riding! Actually I probably would, I'm stupid like that.

Definitely keep riding through the winter, stopping for a couple of months when you don't have to is not a good idea. I ride all through the winter, in fact as a riding group we tend to do lots of long rides in Nov/Dec/Jan/Feb as places like the Lakes are much quieter.

I can imagine what your holiday was like, I was out in Spain with Switchbacks in September which judging by the pictures is even more rocky than where you were, however wearing of body armour was compulsory. It saved my knees and elbows a few times and I eventually forgot I was wearing it, if you do another non-UK bike holiday it may be worth investing in some. The only place I can imagine ever wearing it in the UK would be Kirroughtree or possibly the Innerleithen XC route, however I've done both without but the armour would add a bit of bravery. I found Spain very technical but as my local riding is pretty rocky then the rocks didn't bother me (the 100ft sheer drops of the edges of switchbacks however terrified me ).

Getting confidence back can be frustrating, I often get spooked by steep sections with step downs on them because I had an over the bars incident on one where I really hurt myself. Rather than dwell on what I can't do I focus on what I can e.g. get stuck into the climbs. I think you would probably benefit from further coaching, definitely more than an hour.