For what it is worth, I'm probably in different countries to you, and "me too". I fractured T8 and spent some time unable to walk at all and in a wheelchair -- I can now use a crutch some of the time and have a fairly complex medical history.
You never notice how much [en-gb] pavements / [en-us] sidewalks camber towards the road for drainage until moving your pelvis is excruciating, or driving a manual wheelchair on a camber means that you're constantly working twice as hard with one hand compared to the other. Nor do you notice what a bin on the street does when kerbs are difficult. Low hanging vegetation, normally pretty, over a neighbour's wall becomes incredibly annoying if you literally cannot move yourself to avoid it inevitably hitting your eyes. So many minor annoyances, from booked assistance on train travel forgetting you exist halfway through, right the way through to outright discrimination from your colleagues. And don't get me started on the bladder management!
Everyone could be disabled, and as said earlier at some point in life everyone probably would be. Inclusive design is just that -- inclusive -- and done correctly it costs nothing to little extra. I don't really understand why we don't build it into society, rather than try to get people to (as I increasingly want to) fork out thousands to tens of thousands for electric wheelchairs. Sure, they're great, but sometimes I miss taking long walks or cycling ('normally').