Vehicles are very complicated today, when a signal has to pass through a million transistors micron size to fire a spark plug or a fuel injector. Knowing this stuff doesn't help you, not a darn thing you can do about it. So definitely carry towing insurance, has up to 200 miles of towing that is also covered, and the rates are far cheaper than OnStar.
All OnStar does is to locate a towing company, still have to pay out of pocket for it.
When driving alone after raising ten kids can really appreciate quiet, only chance one gets to screw their head back on. Besides this have to really concentrate on the road, idiots all over the place, a constant 360 degree view is required, really don't need any distractions. Not only this, but road construction and a series of potholes to watch out for. Already prepared to say, officer, I am not drunk weaving all over the place, trying to avoid pot holes.
When riding with my wife, really the only chance we get is to talk, radio stays off. In my flying days, really had to pay close attention, weather, constant changing of mixture, navigation, switching fuel tanks, etc., no time to be listening to anything if you wanted to stay alive. Super high cost of liability insurance sure ended this.
Many of our roads don't even have a shoulder, even with a flat tire would call a towing company, could get killed by some idiot that is in a hurry.