Have you considered using an indoor trainer? I have a Kinetic and I love it! It's super easy to set up and get my bike in and out of quickly. http://www.kurtkinetic.com/
Also, regarding the clipless pedal concern, what about bike pedal straps? You'll be able to get a little more power out of your movement, but you won't be "trapped" in quite the same way you would with clipless pedals.
Good luck to you (and your ribs)!![]()