If you would have had 2 wrecks in the "few months" without the electronic nanny, I'd suggest you brush up your driving and paying attention skills.We have the electronic nanny in our 2016 Subaru. I was not a fan at first, but after seeing it in action for a few months I am convinced that it has saved us from at least two car wrecks.
I won't argue whether they do more harm than good. I'd argue that I don't want them. I certainly don't want to pay any extra for them.
I raced for over 20 years. I also instructed for a marque club for a bit. I ride motorcycles and bicycle on crowded streets and have almost 1,000,000 street miles of accident free driving/riding.
Pay attention, leave yourself an out. Put down the phone.