Re Janet’s trip. I had a pretty big accident myself circa 15 years ago, both cars spectacularly written off. Thankfully no serious injuries, just cuts and grazes and lumps and bumps, albeit some of the lumps were a bit big. Completely non fault but that was irrelevant - the other guy made a mistake, and everybody makes mistakes, it hurt just as much regardless of fault.
It didn’t put me off driving at all, quite the reverse as I’d got to experience the airbags, seat belts, crumple zones and other safety kit, and to witness how well it all worked. But it did leave me with the realisation that, whenever we embark on a journey, there is a very real statistical risk that something unfortunate may happen. Especially prominent in the mind in the weather conditions described... I also am inclined these days to occasionally just ‘opt out’.