Interesting discussion! Had a similar personal decision a few years ago now - spent a long time mulling over every aspect of the accident, recovery, and ‘where to go from here’?
it wasn’t cycling, but paragliding, which I had been doing for many years - I had a catastrophic accident where the prognosis on hospital admission was given, of no chance of survival!
Did survive, and pretty much recover, and five years later started flying again with all new kit and my head ‘sorted out’.
In this sort of situation it really is down to the individual to work their way through it in their own mind whatever, or despite what anyone else says.