You go do the work, and enjoy some books while you do it.

Go read a few ravenloft, forgotten realms, dragonlance, or other dnd series

Go read some raymond e feist riftwar/magician books.

Go read a dozen palladium Rifts worldbooks

Just read any large fantasy franchise and you find any number of disabled characters

Damn near every healing spell in a fantasy ttrp will have a ruling on not being able to heal natural conditions such as blindness or simply that it straight up wont restore lost limbs

Im sure catti bri and drizzt ran into a few pirates and sailors with missing limbs

Or are you going to tell me theres no peg legs in fantasy?

No old heroes who cant fight anymore because they lost a limb

Ita inaccurate because most fantasy worlds that ive read dont have mid to high level healers in every square km of their worlds