It's not a given that magic will let you automatically cure any injury more easily than creating an automaton. Magic varies a ton from game to game. For example, I'm playing in Call of Cthulhu now, and we regularly have to deal with a PC being temporarily disabled from a major injury. And here "temporarily" means weeks in-game since there is no healing magic. We have some magic from spell books (mostly summoning horribly things), but no healing magic. We haven't had a permanent crippling in my current game, but it's not impossible to imagine how it could work.
The only long-term wheelchair-using PC I recall was a long time ago, in a realistic modern-day superpowers game I ran in college. One of the PCs had electrical powers, and would have died from being shot, but as a twist, I offered to have him live but his spinal cord was severed. After the injury, he learned he could temporarily still use his legs by using his powers, but only for a short time and with concentration. So he needed a wheelchair for any long-term movement. I thought that made for a very interesting wrinkle to the game.
One of my favorite PCs in recent years didn't use a wheelchair, but did have limited mobility and used a cane to walk. It was in a game based on the TV series Alphas, where all the PCs had a neurological super-ability but it came with a major downside. My son's PC had perfect muscular control - he could make a house of cards as quickly as he could move his hand and was a masterful pickpocket and martial artist, but at the cost that he couldn't fully relax and was tired all the time. He needed a cane and frequent stops to get around. It was an intriguing concept that worked well in play.
I haven't had a wheelchair user in a fantasy game, but that doesn't mean it's an unworkable concept. I've had plenty of PCs with different disabilities -- partly but not wholly because of a past fondness for GURPS and HERO. It's sometimes taken some thinking to work them in, but doing so has always meant the game was better for it.
Wanna have a PC in a wheelchair? Great. Now you're fucked in combat.
All the magic necessary to create a mobile mecha is far more magic than a healing spell. It's beyond idiocy in D&D and only makes the slightest "sense" in point-buy games where "can't walk" gives you a bucket of points to spend on other stuff.
I've been hospitalized by drunk/distracted drivers twice and lost some or most of my mobility for months while in recovery. There was nothing stunning, brave or empowering from the experience. As my friends are dark humor monsters, we had lots of fun at my expense, but there wasn't a moment when I wanted to play a PC afflicted with any disability.
I'm sorry about your accidents -- and it's totally a valid preference to not want to play a PC with any disability. That said, just because you wouldn't want it or you would be offended by it, that doesn't mean it can't be fun for other groups.