Car appreciation... the aesthetics, the engineering, etc

I think you're right....

But....

Basically this is my fear:
https://f87.bimmerpost.com/forums/showth­read.php?t=1524621

Not wishing to sound unduly flippant - but there's a reason that we all have insurance.

If that happens then it's a huge bummer, but decent cover will replace it with something else fun.

Crashing the car?

No idea about the BMW but most modern cars have traction control to stop you losing traction.

Also in Switzerland, isn't the minimum tyre depth at least 2mm if not more?