Insurance is cheaper with the additional safety items.You'll hear a lot of people complain about 'nanny systems letting people doze off when they should be driving' but I love driver assist systems.
When you're stuck behind a semi on a hilly road, passing isn't possible, adaptive cruise control is insanely convenient. Same with driving in Minnesota where people refuse to maintain their speed on a clear road.
Collision warning... I remember one day where the light turned green and I started accelerating. Car ahead of me slowed down. I was staring right at them but it somehow didn't register until the collision warning came up. Also nice for the rare occasion you're behind some jerkass with nightshaded taillights or a Silverado with crappy aftermarket LED taillights and obscured third brake light -- both instances where their brake lights are hard to notice.
Lane-keeping isn't a full 'car drives itself everywhere', it just nudges the steering if you get too close to the lines. I added it to my car for the minor convenience it brings (plus automatic highbeams).
Your insurance likely won't care tbh.
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