Hugh -
I would definitely learn to drive for the practical reasons your wife suggests. My mother gave up on it when she had her learner's permit and had a small "fender bender" in 1963. Now that she is 76 and my dad can no longer drive at night (and doesn't like to too much during the day either), she feels very restricted and dependent on others to give her lifts here and there. We have not yet given up on trying to persuade her to give it another try.
That said, I would also continue to walk and cycle for those reasons Janet so eloquently expressed in her postings.
Whatever you decide, best of luck to you!
Catherine
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