If I couldn't ride outside I'd probably kill myself.
And it would take a far more catastrophic crash/injury to get me to re-think that stance.

Now, admittedly my worst crash -- six broken ribs and a broken scapula, only spent one day in the hospital and then ~6 weeks off the bike -- wasn't nearly as catastrophic as OP's.

But my wife sustained a horrific crash 6 or 7 years ago: She completely pulverized her C2 vertebra, requiring emergency spine surgery to fuse her neck from C1 through C4. Severely restricted range-of-motion now; she can't look to the right easily at all, can only turn her head to the left maybe 20°, she'll never spot during a pirouette again (former professional dancer), can't look up at the sky without lying on the ground on her back...

...and it only took her two months before she got back on a bike (just to chase away any potential demons) and then another four months before the desire to resume regular avid road cycling was so overwhelming that she had to get back to routine cycling. She's been back to >5,000 miles/year ever since.

I guess it's all about Risk Tolerance, and Quality-Of-Life. For me & the missus, our Quality-Of-Life is so much better when we can get outside and ride regularly that the possibility of an injury/accident doesn't stop us, or even give us pause.