Earlier quoted context omitted.
"I've chosen to never speed because it reduces my cognitive load." Never? Never speeding also means not always keeping up with traffic which might be flowing at a higher rate of speed. Consequently you are chancing a greater risk of an accident by not keeping up with traffic and not speeding.
Not exactly. Those that are speeding have accepted the higher risk of accident in exchange for getting to their destination slightly faster (if at all). The choices of the speeders have externalities in the form of a higher risk of accident for all other drivers around them, regardless of others speed. The drivers who obey the law bear none of the of the responsibility for that increase in risk. If you want to argue…
The drivers who obey the law do not bear responsibility for the increase in risk, but neither they raised their own safety.