As I've been going through the various answers... I've started to wonder if defensiveness and politeness in driving and the fact that we haven't had accidents is really a good measure for skill? By the sounds of things, it seems like I'm a similar sort of driver (with similar sorts of cars!), but I start to wonder how my driving skills would hold up in abnormal driving events (skids, ice that sort of thing)... perhaps that would be a better determinant of driving skills?
Meandering back and forth on decision making... that doesn't sound good, but hopefully you end up making a decision!