Glad to hear you're ok. Money can fix any bike part, but it can't always fix your body.
I try to brake as an absolute last resort in that situation, but its tough, first reaction is to throw out the anchor. I'll try to steer my way out of it if someone is going down in front of me. Even if someone is right next to me, I'll chance pushing against him than running someone over. And if someone is next to me, they are usually moving over anyway to avoid the crash.
If I swerve over and take out someone's front wheel that was overlapping me? Well, thats racing. Protect your front wheel at all times.
Il faut de l'audace, encore de l'audace, toujours de l'audace
1980 3Rensho-- 1975 Raleigh Sprite 3spd
1990s Raleigh M20 MTB--2007 Windsor Hour (track)
1988 Ducati 750 F1