[C5-6 shows the osteophyte a little bigger pushing on the nerve with my spinal cord narrowing. He said he didn't want to do surgery, since he didn't think that was the cause of my problem, and in time it would get bigger.]

It might be good to get a copy of your MRI & the report to show to a few other specialists for more opinions.
If they agree that the osteo is probably not the cause of the sx, then some very good PT might help.

[excruciating pain in my neck, arm and numbness with tingling in my hands, with headaches, along with pain in my sternum area.]

Those sx could overlap with the sx of thoracic outlet syndrome (TOS), it doesn't show up on most testing unless there is anatomical anomalies.

Do you or have you done repetitive work or hobbies, or any previous whiplash type injury? -Ah well the accident could be a factor since it was neck injury .

Maybe 2 things going on- the osteo + maybe some TOS things...

anyway we have a TOS forum if you want to read more about it.
http://neurotalk.psychcentral.com/forum24.html