I've been driving for almost 15 years, and never had an accident, but in that time there are many occasions where someone else on the road has done something _incredibly_ stupid. All it would have taken in any of those scenarios is for me to be opening a window/changing the radio station/looking in the rear view mirror and I'd have hit them.
Everyone thinks that they 'know how to drive'.
Even if you do, the point is other people may not know how to drive and may crash into you.
The crash event being pileup does not changes anything.
And while multi car crashes happen less often, they involve more cars, so if don't affect you chance to not get into one.
Do others? You are but one in the massive herd
Disclaimer: My daily is from 1981