DLIT,
I've been ready this thread since it started. I'm glad to hear you are mending well and have your own plan. It's your life and your family, you decide what works.
In regards to what caused the "lack of adhesion" leading to your accident, I think it's just a lot of small things that added up at the wrong time for you. You mentioned the tires cooling down, the features of the road and the possibility of debris. All parts of the puzzle. Plus riding at the higher percentages leave less room for error ( BTDT with dirt bikes )
As far as your recovery, don't push yourself too hard. If you're going for PT, listen to them and follow the directions to a "T". I pushed too hard when I was rehabbing my knee after ACL reconstructive surgery and put myself back by about two weeks.
Good luck and heal well.
Jeff