I made that choice, too. Crash tests don't give the full picture. Since "downgrading" to a smaller vehicle I've found it much easier to avoid incidents completely. It seems like the right trade off for the kind of driving I do, which is mostly on urban streets.
Ditto. If I crash my bicycle into any car, I'm guaranteed to be the worst off. And a pedestrian would likely be far better off than if I was in a car. (Ps peds get off your bloody phones when crossing the road, especially when emerging from behind a SUV).
How is maximizing personal gain on the individual level working out? Not well.