Keep the £20 and I hope I never see the pics! Stay safe
Well i've got to 33 without doing myself any major injury. The thing i miss at the moment is the extra grip i had from the 4x4 system on the previous car, if the Leon had been available here as a 4x4 Cupra Tdi i'd have snapped it up! I ran the HR-V on 'summer' performance tyres for the 2.5 years i owned it and whilst you could definitely feel the loss of grip on greasy winter roads, the 4x4 drive system was sufficient to pull things back into line.
Having seen the videos of the volvos testing on ice with nothing more than ESP / TCS / Computery gizmos etc I am more than convinced that this and 4x4 IS the way forward.
I guess the real issue is that for the most part, people aren't as skilled behind the wheel as they'd like us to believe. I would definitely include myself in that group - i'd like to see a skidpan / car control section included in the driving test for starters. That is one area where 'learning on the job' is inadvisable!