Get well soon Cliftoners. Don't be put of Reuben, you have just had a bit of bad luck. Vets racing is good (but not perfect) and a little safer! Lots of old guys with mortgages and kids - changes perspective on things. But I totally understand why you might want to stop racing! My last few races (some time ago) I tried countering the last lap/last few miles nervousnous and bunching by trying death or glory full on last few k (or 5 or 6) Cancellaraesque attacks. Inevitably ending not in glory, but at least fun with a a story to tell

Hope you both get better soon. University will be great Toby - don't know where you have applied and what course, but applications and the applicant pool could be a bit down(making it easier to get in), make sure you are in early for your results and ring the institution if you do not get the offer grade, they still may take you and there is always clearing. Just think of all the training you can do at Uni.
Just to put it into perspective, racing is relatively safe. My uncle was a paramedic and he attended countless calls out and masses of injuries, sometimes very serious, broken bones, tendons, concussions etc from Football and Rugby on Sunday morning. It was surprisingly busy with all the injuries. So cycling is relatively safe, honest. But all the same, get better soon.