You are of course correct, but speed does give an upper bound on how quickly you decelerate. Anyways, I got curious and looked up accident statistics in Denmark [1], and only ~10% of accidents that result in fatalities happen on freeways (where speed is highest), ~56% happens on country roads (second highest speed and more objects that will decelerate you quickly) and the remaining happen in the city. The authorities estimated that excessive speed played a major factor in 43% of the accidents.

[1] https://www.vejdirektoratet.dk/sites/default/files/2021-12/D... (in danish)

EDIT: 43%, not 46%

Coincidentally, while fines for speeding are relatively lax in Germany, the penalties for underrunning minimum distances (which are calculated from speed) will wreck you. (Your driver's license will be decked pretty fast, and you can end up in prison too.)