An unfortunate update to my story above about hitting a fence post while attempting to go through a narrow gate opening much too fast...
The x-rays say 2 broken ribs. The treatment is to do nothing but let them heal. But because one break is in the front and one is on the side/back, I cannot find a comfortable position to do anything. Don't know how I'm going to start riding again anytime soon. The doc says broken ribs are good for about 2 months of pain, but oddly enough he gave me no restrictions other than to not do something stupid. Considering how I injured myself, I probably needed to be told that!!
Waiting to see if the accident re-injured a surgically repaired shoulder, time will tell.
So in the near term, I'll be missing the clear skies, cool temps, and nice breezes of winter in Florida, doing mind-numbing riding on a stationary recumbent bike in the gym instead.