Bless your heart!! I would recommend doing what your VSO says. They usually have the experience! I have a claim going through now which is on the preparation for notification stage for PTSD from MST. If you reported it, went to the hospital for it, treatment centers, etc. Then it will all be in your records. I wouldn't worry about that. As far as the bills and not working is concerned, have you applied for Unemployability? As you know, these claims take a while to get through, and if you're like me (which you sound like you are) then you could make yourself crazy thinking about what if. Let it happen, and let your VSO do their job.
Good Luck!!