I broke T11, L4 L5 and S1 when a horse came down on top of me.
I was in a brace for three months, told never to ride again. I followed orders for nearly a year, got back into teaching and when a really mean pony was taking advantage of its small rider, I got on it to sort it out.
That was it. I gave up a very highly paid job which I loathed, went back to working full time with horses and never looked back.
A friend of mine had a nasty fall where she broke her neck. Air lifted to hospital, plated and screwed up. She was kept in an induced coma for several weeks. She is able to walk but has a limp. Lucky to be alive. She has ridden since but, does not anymore as she knows a fall could well be the end of her.
Go with what your body tells you.