Suspect it depends on where you live, but you're not wrong.
I think I've driven a million kilometres by now, it's all become so fucking boring and second nature, that you start really being sloppy and distracted. Because you gained so much experience, you start to (unconciously) overestimate your skills.
But the two hands thing really is necessary for if you hit something slippy or need to make an unexpected manoeuvre. The risks of driving are incredibly low, but if shit does hit the fan you're in for a world of trouble if you're doing something else.