On the elderly, fear, and Ice skating

As winter begins to present itself in full force, I\m again reminded of more reasons to be mortally afraid of driving with children.
When the First Snow hits, the drivers in the city remind me of little kids playing hockey, falling down a lot, crashing into each other, and usually forgetting altogether about the puck.
When the first melt comes, everyone becomes stock car racers,  trying to urge all puddles off the road by driving as fast and reckless as they possibly can.
Then the final freeze. When all the slush that's left on the road freezes over, and is made 'luxuriously' smooth by those fast tires.
Now, being where I am, it's pretty common for everyone to know how to ice skate, from a very young age, no less. But somehow all that training goes out the window when tires re applied instead of skates. Our insurance here is gov.t regulated, I think mainly because no other competing company wants to have to cash in on so many claims all at once.
Also, maybe it's the snow, maybe the cold, but a lot of people lose their sight really easily in the winter, eyes glazed past the 'baby on board' and 'student driver' stickers, which are pretty much no good here.
Then there are the types of bad drivers to negotiate with:
We've  got teens with novices licences wanting to joy ride and scare the crap out of everyone they drive beside; or Albertans, who are used to speed limits twice that of ours; or little old ladies who just want to get to bingo in their old school tanks that take up two lanes; or the farmers who only follow dirt road speeds and don't pay any attention to any driving sign,road mark, or light. I could go on, but those four types feature prominently, and for that alone the bus doesn't sound so bad.
But then I'm left with a conundrum on the buses too, since toting around a baby in the heavy-duty stroller that's needed for winter is pretty much banned from the bus, and the price of a bus pass costs more than insuring my car and filling the tank every month, ( though I have a pretty old and crappy car, so that cheapens things up a bit too)  and the buses are usually so cram packed with students and elderly, that there's no room for even me, let alone a baby.  So I'm left to drive on side roads to most of my destinations, waiting until peak traffic has passed, which only leaves about 4 hours in the days to drive, and I'm pretty much screwed in the bad driver department, since you'll never escape the little old lady with the penchant for bingo.  *sigh*