Yeah, when I see the bike that I paid $1400 for new 5 years ago is now only worth about $700, I think I will just keep it. It's worth more to me than it is on the open market. Serves as a backup and like you said, a loaner when a friend wants to ride that doesn't own a bike.
I had a serious ankle break on my Rockhopper, almost 10 years ago now. Broke in 3 places, I now have 8 screws and a steel plate in my ankle
It took several years before I was really confident on a bike again. And, I don't go looking for the types of terrain that I used to go looking for either. Nowadays, I'm more of an XC rider.
On the good note, I'm 95% normal on that ankle, though it is visibly larger than the other ankle.