I have a few bike crashes under my belt.
One required surgery (I SHOULD have gone to the hospital...but didn't ).
The second sent me to the ER, but was discharged after a few hours with 'scripts for lots of pain meds.
I still ride.
Maybe I ride a little differently than I used to....I'm a little more apprehensive.
But it would kill me slowly to not be able to muster the courage to go out there and keep riding.

I also know a bunch of folks who have crashed (all guys). They all still ride. Again, perhaps differently than they used to, but they still ride.