Glad you're "OK," sesmith.
The word that sticks out in your post, for me, is "complacent." As a bicycle commuter, I ride the same exact route every day, down roads I have cycled for about forty years. I have always been an advocate for alternating routes to avoid becoming overconfident, but the alternatives available to me have become way too dangerous over the decades.
I haven't quite figured out how to keep from becoming complacent yet, but I hope your post will urge others never to take anything for granted when on the saddle.
Best wishes for a speedy recovery and a better, longer season next year!