Three serious crashes in what I imagine amounts to something like 15 years or more of 10,000 miles/year: unfortunate, but recognize that you've mostly had safe rides over those years.

At 74, after starting out with bike racing when I was 13 and having endured my share of crashes (and five or six concussions, most but not all bike-related), I've radically scaled back my risk-taking. No off-road riding. mostly carefully selected low-traffic suburban routes or roads with wide breakdown lanes or decent bike lanes.

I'm at the northern end of Baltimore city, with plenty of satisfyingly hilly roads in the county just a 15-minute ride away. If similarly safe-ish roads aren't similarly near for you, maybe resign yourself to having to drive to a safe spot for your rides.