Thanks for all the best wishes guys. Basically I made an extremely stupid mistake, and didn't see a kerb (height difference between road and pavement/sidewalk) that I should have. Was slowing suddenly to enter a fuel station, it was dusk, and I failed to see that the painted-on cycle path was actually painted onto the pavement rather than on the road!
Anyway, the inevitable happened and the front wheel caught in the gutter. You know that thing when time seems to slow down - I had a second when if I'd been quick enough I could have thrown it back out into the road. But I was on a fast dual-carriageway with lots of cars going past and I'd already slowed a lot to enter the station, so was almost subconsciously afraid that dodging suddenly back into the road risked being hit by another vehicle, sooo ...., almost think I chose to take the fall onto the pavement as the least worst option. Anyway, that's what I think looking back, whether I really have racers' reactions these days is another story.
So I took a flier and landed on my shoulder, and boy did it hurt. Fortunately the armour in the jacket did its work, otherwise would probably have a broken shoulder now. Some guys appeared who seemed to know about not removing helmets and stuff, and an ambulance carted me off to hospital. Never even saw the bike as couldn't get up.
So 3 X-rays later and it seems I've been lucky - no bones broken. But 2 days later and I'm bruised and aching all over, and my ribs still hurt if I laugh. My sister said I must have my father's bones (pretty solid). My helmet was not even scratched!
Now it's just rest and recuperate, and try and get the bike fixed first, then back to beautiful later. I don't think it will put me off riding, it's just a stupid mistake that I shouldn't have made. And since the last time I had a bike accident I was about 18, has been a bit of a shock to discover I don't bounce like I used to.
Has convinced me of the benefit of armour though. Probably time I bought some riding jeans again (did have some, but they seem to have got lost somehow).