This is very hypothetical. But, the best thing that could happen is if you do go down, is that you stay down. No clue what kind of coverage or insurance you have. I always worry, what if I survive, but can't work ever again? Now I'm a useless sack of meat that needs taking care of. I just can't bear the thought of putting my wife through something like that.
Which is why I have great disability insurance as well.
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2003 Harley Davidson Sportster (RIP)
2006 Suzuki GZ250 (traded)
2012 Honda Shadow Phantom (traded)
2014 Victory Cross Country (current)