Quite honestly, no sarcasm...
I take trains into London from Surrey, because the traffic is just a nightmare every day and the way people drive just makes me angry. With self drive, I could lie in the car, resting, sleeping and not worry. The only other option is cycling and I used to cycle to work (6 miles) and pretty much every trip had a near death experience thanks to idiots trying to squeeze past, mis-judging the distance to a concrete divide and buses, just being buses, they were the worst.
I would still keep the GTR/240z for pleasure driving.... driving to work for me has never been fun, whereas just going for a drive in Sussex or Kent is for the fun of it. I would have some energy efficient POS that is self-drive, just for work.
The biggest cost of insurance is accidents, so insurance for vandalism, natural disasters, etc is such a small piece of the pie.