Doing 85 will give you less time to react, you not 25 anymore. To be a good driver doesn't necessary mean free of moving violation it is also to be able to prevent an accident. If some moron suddenly merges and slams brakes in front of you it doesn't matter what police report say, it could have been avoided by going slower.
Belive me you are lucky, lets pray to God it stays that way:)
correct, i'm not 25 anymore. this is part of what decides my following distances when i'm driving. (and to be a good driver doesn't mean to drive slow either BTW

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my head is always on the swivel. there's not much that i don't see before or as it starts to happen. i don't ride the right lane, so worrying about merging people is a non issue, although i'm always watching the ramps as i approach, and pass them.
i don't watch the car right in front of me. i'm watching as far down the road as i can see. if i watched the car in front, i can't really legitimatly see anything beyond him. by watching as far down the road as i can see, i
am able to see and register things that're happening closer to me.
30 years driving, learning to adapt to different conditions(including my age), learnign to adapt to people that have no clue what their car can do(or will do in an emergency).
and believe me, in the PRNJ we eventually get most weather conditions. i've driven my 89 mustang gt in 2 feet of snow. i was driving a 26k pound tow truck in 96 when we had that blizzard in south jersey. was driving a tow truck in the 03 blizzard too.
i've driven in rain so hard it was hard to see much past the hood.
i've NEVER been a "passenger behind the wheel" as a good 80% to 90% of the drivers on the road are.
so....while there IS luck involved(it is for ALL of us) there is much much more ability involved than you seem to think.