At the end of 2008 I had a bad accident, like you, it could've been much worse (without going into detail on the forum, I was in an accident with a two-trailered articulated lorry (so approx 40 tonnes) on a motorway, I ended up spinning down the fast lane in the dark). I went to hospital (still very much in shock, it took me months to overcome the shock) and I had central neck pain, which would indicate a fractured neck. So, they closed off the motorway, strapped me to a board and took me off. I ws lucky to get whiplash only, however I feel the pain daily still in my neck, I'm not convinced that the doctor didn't miss something, but who am I to say, mostly I have full strength, and almost full range of movement. My right shoulder is affected too, that mostly due to a fall from speed off one of my horses a year before, and I also think that that fall, combined with my head injury in 2005, is what made my whiplash worse.
It took me 6 months before I could get back on a horse after my accident, as I was in too much pain, and I've ridden with a broken foot before (fell off jumping, hobbled to my horse, clambered back on and continued). I'm on amitriptyline daily now as a preventer which IMO doesn't seem to be working much. Been back to my gp but she's about as much use as a chocolate teapot, therefore getting no where! I just dose myself up on painkillers daily to get thru the day, I rarely ride (due to life circumstances not pain) these days, but to sit at a computer and do work causes me greater pain. When I'm up on my feet and actually active, I'm not half as bad.
Now, for the ankle, I'm one of the most accident prone people you'll ever meet! I've fallen off my horse, being unable to stand on one ankle, fallen down stairs so done the other ankle, and invariably, either ankle during PE back when I was at school! Now both ankles are slightly deformed at have a inversion when relaxed. I walk normally, maybe slightly flat footed, and whilst they don't generally cause me pain, I have to be careful with what shoes I wear as I fall out of most (yes, fall!) dolly shoes and high heeled shoes, even if I get 'tied in' to them, and get pain in my feet if I'm stood still or walk too far.
Whilst its difficult to use your affected limbs it's important you do so, as your brain will relearn how to use them effectively. Do any exercises you've been set, and practice picking small things up with your affected hand, like coins, with and without you watching. An effective way of doing it I guess would be to chop cake into small pieces, or bits of chocolate, and look away, or close your eyes without the temptation to peak, while you pick up a piece and eat it.
As much as I know you said you'd rather not, but from the medical experience I have, take pain killers, if your pain is not under control, how the hell do you expect your body to be able to heal? You also need to be in control of your pain to function correctly, as you'll be finding alternate ways to move, therefore you won't be moving correctly and will invariably be using mobility muscles for stabilisation and it's more tiring on you and those muscles are not built to take the constant strain of stability. Strap up your ankle to ride, and dose yourself up on painkillers. Give yourself a couple of days to adjust and I'm sure you'll be feeling better. If you're in enough pain to require that level of painkillers then against misconceptions, you won't get addicted to them. You can reduce them down as you feel necessary, but usually what happens is you'll be given a base rate to try and you'll titrate up to a level where you're totally pain free, but you won't be given too much.