Having worked in live events and with an understanding of personal liability it is necessary.
Have had two bike stacks this year
one where I went into the front wing of a Range Rover. It was his fault in that case but I don't want that kind of exposure/cost.
Bottom line is some people are selfish cunts. Said cunts drive/cycle/scoot/walk when distracted/tired/drunk/angry/stupid/etc.
The reason I bang this drum is that a car, van, lorry will hurt/kill you a lot worse than the other options due to weight and size. We live a small country and our road infrastructure is built around cars which is a poor show.
If only we had an affordable and decent public transport network things could be different. My 45 minute commute was over £5k a year. Rural transport is expensive and unreliable, I fully understand why people want/need a car
Of only eh...