If something like an accident has unsettled you (which would be quite normal) the worst thing you can do is lay off at that stage.
You will never get back into the swing of things.
Flying is a amongst a lot of other things a motor skill which deteriorates with lack of exercise.
Add to that the growing apprehension from a lay off and you are on the slippery slope to the exit.
If your concerns are about 'fitness to fly' (and I am not just talking about physical fitness) then that is completely different ball game.
Am sure that someone with a pedigree like yours must have some good flying mates that can give you an honest appraisal of your flying (with all the associated gubbins) and work out with you what is what.
My old man stopped after many decades of (recreational) flying in his early seventies. He stated that he had always flown with pleasure and accident free and wanted to stop before someone came and told him.
He has since taken up golf (so we now don't talk anymore)
and seems very happy.
There is life outside flying.
Do what you feel most comfortable with!