As someone whose also had her share of bad crashes (and some of which I don't remember which I agree is a good thing) I just don't ride like I use to. I ride more cautiously and am not willing to take certain risks. I'm old and frankly just don't relish having to go back through disability and surgery again. BUT... I never stopped riding. OK yes I stopped when I physically was not able, but once approved to return to the bike I was back on. I took it easy. I didn't try to do too much until I as ready. While mountain biking, if I got scared, I walked. I didn't let anyone bully me into doing something I didn't want to do. It's taken some time but my confidence is returning. I'm even taking some risks on my mountain bike. Bottom line work on skills, don't push to much but get on your bike and ride. Only way to get back in and on the saddle! Hang in there, the fear will lessen and the joy will return.