I will have a go then.
1) Age
2) I work on vehicles for a hobby, this has given me a good understanding of dynamics of vehicle engineering & handling, in a way that average MV owners cannot know
3) There was one incident.... I was driving at the speed limit on the Pacific Hwy, (100kmph) it was raining, suddenly hit a large patch of oil, on a sweeping bend, in a front wheel drive car. Coming in the opposite direction was a Mack Semi.
If I had been going 5km faster, or had 1% less concentration or skill, I would have been dead meat.
This made me realise you can die thru no fault of your own.
The only protection against this fate is to develop superior defensive driving skills.
My sis-in-law has been hit 3 times by drivers running red lights
I dont proceed thru a green light till I have checked both directions first.
I maintain the maximum possible spacing from other vehicles
Use the vehicle in front to shield from head ons
there is so many things you can do to maximise defensive driving, too many to list