Are you assuming that the mugger you encountered would have raped her? (To be clear, I don't think that's a prima facie invalid assumption. It's a sincere object-level question.)
That includes the possibility of having a gun pulled on them like OP which only happened once.
I was trying to figure out what he meant / what the assumption indicated, which I still don't understand.
The purpose of the Oakland story is to warn that just because something bad doesn't happen, even for a long time, it does not mean that the bad thing does not happen.
>the consequences for her would probably have been much worse
These are the two linked statements — if she had had a dangerous ride, the consequences could have been worse (abduction in a foreign country etc.) than the consequences of a mugging in your own city.
He ended up being not the worst and let me keep my keys and license when I asked.
It only takes once, and the consequences for her would probably have been much worse.