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Lorenzo is as tough as they come, and very likely tougher than Stoner. I actually thought that Stoner's comment about Lorenzo at that time was bad form, and Karma challenging as you say, as was his disdain for Melandri in 2008, and I think I said so at both times. Karmically as you say, or ironically, similarly to Melandri he was labelled as a headcase at Ducati in 2009.
"Fracture" covers a multitude of things though, from a bone chip to a horrendous comminuted thing with vascular compromise like Mick Doohan's in 1992, and less dramatic appearing things like scaphoid fractures are far more likely to have bad sequelae than a dramatic fracture like Rossi's one in 2010, which once it didn't become infected which his leathers remaining intact probably saved him from was likely to have a good outcome, not that I would underestimate his achievement in coming back so soon and winning a race. It was a scaphoid injury which eventually terminated Kevin Schwantz's career, and whatever is questionable about him it was not his courage.
Details of the nature of Lorenzo's ankle fractures in 2009 and Stoner's in 2011 were never released. Since Stoner was apparently risking longterm problems I would suspect he had a fracture of his talar dome or calcaneus involving a joint ie an osteochondral fracture. Bones heal very well in the absence of infection or vascular compromise, particularly single breaks without fragmentation/comminution, but articular cartilage doesn't.
The clavicle is regarded in general as a relatively unimportant bone, although this probably doesn't extend to manipulating premier class GP racing bikes at high speed; Colin Edwards did have one of his best CRT performances in similar circumstances to Jorge's this weekend if I recall though. If it was a single break he probably wouldn't be all that functionally compromised with a plate in situ, "just" in extreme pain, but from reports it appears to have involved multiple fractures. All credit to him whenever he comes back if he contends despite the injury, but if he comes back for this race or the next it is further proof he is not a normal mortal man.