I did mine the same (motorbike). It didn’t heal properly and I was down for a bone graft and plate. However I moved house and the invite for the op never reached me (it was in the nineties – no mobile phones). Eventually went back to hospital and it had healed wonky, now have a .5cm vertical lump in the bone where the central piece sticks up.
I then broke the other one twice on my mtb and thats the size of a banana!!
Anyway, the quack told me that the risk with the collar bone is that the brachial plexus (nerves to the arm) sits very close to it. When people lose the use of an arm it’s often due to damage to this by the collar bone breaking… Fitting a plate / graft / screws has some risk associated with damage to the
nerves. However this doesn’t stop professional athletes having a plate fitted so they can get back on with it…
So, do I wish I’d had a plate fitted? Yes, because my left arm is now shorter than my right and I’m always thinking I don’t have my bars on straight!
Chris