Can be as simple as being slightly tired, in a hurry. A wrong speed interpretation of other cars or bad visibility, rain & snow… which could cause an instant crash. You might drive low mileage, slow speed, etc… You never know. Also depending on the situation, reckless drivers can cause an accident but on your responsibility.
My conclusion is: Decide based on your car value & driving confidence/style but not purely on “new technology will save me from any situation” because you might regret it.
