It’s some napkin math but I don’t think it changes the outcome. If we go by 428 hours per year, that’s still 17.8 days which is a lot.
The true cost of car ownership you cited was from 2023 and since then insurance premiums and car costs have continued to increase. AAA which could be considered biased, doesn’t include the medical expenses and legal fees involved in car crashes either.
According to a study published last year by the NHTSA, America’s highway-safety regulator, the direct economic costs of car crashes in 2019 was $340bn, or about 1.6% of GDP