> In 30 years of commuting I've never actually had to rely on hard braking to avoid a collision. On many occasions I have swerved to avoid a collision.

I agree with what you said, but I think the issue is one of experience, or maybe even skill. I can remember one crash I had when better breaks would have saved me. But I do recognize now that I could have just as easily swerved. I was around 7 at the time, so still had a lot to learn. But I think many casual cyclists will try (panic-)breaking when something unexpected comes up.

But then again, if they're not used to strong breaks, they may crash on their own. Had this happen to me once while visiting Britain, and not being used yet to the brake levers being inverted.