This is me and DH. (Almost 60!) Tiny rural village. No public transport, closest (small market) town is 4 miles away, closest train station is 18 miles, closest A road is 2.5 miles. On the few occasions our car has let us down - about 6 separate times in 12-13 years, we have been stuffed. 😬Had to wait for the mechanic to fix it. Before we could go anywhere... Even work. (I WFH thankfully. But DH works 13-14 miles away. NO way to get there.) Only happened about 6 times in 12-13 years though!
However, people I know who have - and use public transport - especially trains - are let down by them a minimum of 6 times a year! Most years it will be much more - like 20 times ... or more ... And many places, especially hospitals are not accessible from certain places - like suburbs in towns, and market towns, and villages with public transport.
We used to live in the suburbs of a big town, in the far south of it, and the hospital was 12 miles north, at the north end of the town. We still needed a car to get to and from the hospital, as it was untenable to go by bus. Was 3 changes, and took 2 hours, and you couldn't get back after about 6.30pm. So we have pretty much always needed a car. In town, village, and suburb.
I would not like to be in a position where DH - and I cannot drive/have no car ...No matter where we are. I think we would have to move to the market town 4 miles away. So at least we would be near shops, dentist, GP, etc... Even so though, there would still be times when we need a car - eg to go to hospital, or the airport, or to see family. (And for most places outside the town really.)