The no STFs till you are healed, I think, is a good thing. In all seriousness, would any of us voluntarily go into a gun battle with radiation sickness, broken ribs, head trauma, etc.? I doubt anyone would let us do such a foolish thing. I am sure our officers would sooner relieve us of command before letting us do such a thing.
Regulation 121 (Section A): The chief medical officer has the power to relieve an officer or crewman of his or her duties (including one of superior rank) if, in the CMO's professional judgment, the individual is medically unfit, compromised by an alien intelligence, or otherwise exhibits behavior that indicates seriously impaired judgment. A Starfleet officer can face court martial for failing to submit to such a relief.
"Don't let them promote you. Don't let them transfer you. Don't let them do anything that takes you off the bridge of that ship, because while you're there... you can make a difference." - James T. Kirk