Yeah....I HATE ladders, too! When I worked for a private contractor, we did some tree trimming. We were dating at the time and he was kinda mean sometimes. I got yelled at to climb a ladder and do some roof work but I froze and took FOREVER to get off the ladder.
I will get on one but it takes some time and patience, for sure.
20 broken bones! Yikes. Hand and shoulder? Do you live close to Kansas City? I know a lot of yoga teachers, and I can think of one in particular who would love to do a trade with you. Just something to consider if you would rather trade/barter than pay with $$.
RE: Ceiling the house in a grain bin