Owen retired from football at Stoke City last month.
He said: "The main regret would be wondering what could have been if I hadn't developed that problem at 19.
"If I had stayed injury-free throughout my career, I'm sure I would have a few more records than I already have.
"The obvious one would be the all-time England goalscoring record.
"But everyone can look back on their career and have a little sob story to tell.
"I know I've been very lucky in the grand scheme of things. I'm certainly able to walk away with my head held high."