First off, city streets are by law limited to 50km/h (30mph) in Germany unless the road is physically blocked off from pedestrian access and is designated a motorway. And even that speed is only allowed for major thoroughfares, most city streets are limited to 30km/h (18mph), and many cities are currently arguing for banning 50km/h on city streets entirely.
Streets faster than that need to be physically separated, well-lit, need to have an additional lane or frequent additional locations to park broken down vehicles and need significant setbacks so you can see potential obstructions entering the road early enough to brake in time.
So what I’m taking from this is that the road design where you live is dangerous and substandard.
Now, to the personal appeal:
I did take a defensive driving course before I even started driver’s ed, and it was actually the reason I decided not to get a car. Nowadays I do everything — including weekly grocery runs — by bicycle instead.
The average speed in cities is 15-20km/h, primarily caused due to traffic jams and waiting times at stoplights. I can achieve or beat those speeds on a bicycle just as well, without the stakes being as high. If I make a mistake as a driver, it’s going to cost lives. If I make a mistake as a bicyclist, no one’s going to die. And considering the environmental footprint as well as the monetary costs in terms of road tax, fuel prices and maintenance, it’s definitely worth it.
Even if sometimes, people try to kill me by overtaking me far too close while speeding.