agree about the ligament injury, I have done it twice now, pretty painful and a loong time not riding! I am fairly lucky though, the first time I did it I knew I had done something bad and got in touch with Physio, he put my ankle in a cast and once out felt pretty good (apart from being week in that foot/leg for a while).
The 2nd time I did it I only thought I had twisted it (my pain receptors were apparently damaged from the first time) so carried on riding, but over 3 weeks later (at the big London ride actually) it began to get too painful to ride. I visited physio again and he said it had snapped again, only this time it had begun to heal and set the ligament in the wrong place. After a bit of thought, I decided to have it re-snapped and set in cast again so it was strong in the future. Lets just say, having someone wrench your foot around with no anesthetic until the ligament(s) snapped was the worst pain I have ever had, I went into total shock and couldn't talk for half an hour because I was shaking too much.
But it's been over a year now and my ankle feels pretty good again, I don't notice it at all when riding, though sometimes I like to wear a brace if I am trying something new. Now to find some wood to touch.
So yeah, if you have a choice, break a bone rather than a ligament!
I also had a bad injury about 9 years ago when my chain snapped dropping off a small rock, I landed straight on my nuts on the stem! They swelled up to near orange size and I had to go to hospital to have ultra-sound scans on them. Fortunately for me they were only bruised (badly mind) but for about 2-3 weeks after I couldn't stand up for more than half an hour as the weight of them would cause a lot of pain.