Cars from around 1998-2014 usually have side curtain airbags & adequate rollover durability. The only improvements since then that I'd even want at all are better EV batteries & marginal efficiency gains for IC engines, but those can be retrofitted &/or aren't worth the anti features they also added IMO.
If car companies want my business they'll have to remove the telemetry & automatic updates.
I don't care if I end up paying more to drive an old car eventually, but this approach has also been saving me money so far.
FWIW I have two 2018 models with zero “smart” features.
Of course if you are one of those drivers who removes their hands from the wheel in a stressful situation (there are many), these systems will help somewhat.
My barber and grocery store is a $9 Uber Ride each way. So I could get away with a car easily where I live now. My wife and I have been down to one car since Covid.
But when I was in the burbs if metro Atlanta where everything wasn’t so close, it would have been over $100 easy going from one side to the other or basically anywhere besides the grocery store.
My car insurance is only $176 a month for my wife and I. It doesn’t make sense not to have a car, even if you include the minor maintenance on a car that would be hardly ever driven. Even at a theoretical $400 car payment + $176 in insurance, it still easy to come out ahead.
I live in a tourist area where there are a lot of drivers causing the prices to be low. I noticed it in Las Vegas too.
The only reason I know is I use Uber to run errands close by when my wife has the car on the weekends.
Pannier bags. I did this for years. Before I got panniers I filled a big camping rucksack and cycled, but I wouldn't recommend that. Use a small backpack in addition to panniers if you have to, but having just the panniers feels the best.
However, in terms of safety you are unfortunately right. I didn't have a car so I went everywhere by bike but I was essentially a third class citizen in many places. Felt like I could just get wiped out and nobody would even care. There were no people around, only cars. I hate cars, so I had to get a car too :(
At this point, I treat rideshare like public transit: I assume I'm being watched, but I get to skip the permanent always-on tracking for the other 99% of the time that I'm not in the car.
Also, if you own a car, the state knows where you're going and when, per ALPR systems. With Uber or Lyft or a robotaxi, there's a layer between my personal information and the state. It's not an insurmountable layer, as rideshare / robotaxi services can always be subpoena'd, but adding a layer of extra work for the state is a net gain to my privacy.