Luckily I haven't broken anything so far. I've been riding for 6 seasons now, but during every single one of them I've sprained my wrists multiple times. I've had enough of that crap, so this season I bought a pair of Demon Snow wrist guards. Haven't used them yet, but they're comfortable, pretty low-profile and fit nicely under my gloves. Originally I didn't like the idea of them, but I prefer wearing them to the bitch pain alternative.
Demon also makes nice low-profile shoulder and upper body guards. I'm not getting one of those, but if you're worried about your collar bone it would help.
Here's a link to their snowboard protection products: