On the licences for life thing, I think one of the points is that despite many drivers never having sat a test (you know who you are !) they have sufficient experience to be qualified by way of same. Driving is a practical skill so I'd use the analogy of a student getting through a degree after passing exams versus someone who's been on a vocational training programme. I know which one can do the job better - at least for a few years in the early years !
The fitness to drive through health assessment point is valid but different. That can be relevant to people of all ages for various reasons but ageing is a very strong risk factor so I can see the sense in age-related health assessment, to be fair. As much for the safety of the individual themselves as anyone else - your bones heal better when you're younger if nothing else !
It is a cert that an experienced driver who has been on the roads every day is a lower risk than the same person having taken the tube/bus to work every day and taking the car out on weekends. Those who have driven in challenging environments (abroad, in cities, off-road, on race tracks and all manner of other situations) tend to be far more adaptable to road conditions and situations. Sadly, none of that is really taken into account by insurance companies (not measurable / always some fancy counter-argument to ramp premium revenues up) to any meaningful extent. Every Saturday and Sunday the horrendous reality of occasional drivers taking to the streets with their minds on Homebase, Mothercare or getting back in time for the Match is there to see on Britain's roads. They are the ones I fear most and give the widest berth.
I am surprised, and pleased, that at least the speed limiter idea has not been dismissed out of hand. It is refreshing that people are at least seeing it as an option.
I'm not in favour of it at all. Best system is the German one applied to motorways - no speed limits on Autobahns but the cops are probably the best trained motor police anywhere in Europe and if your driving is bad you can be pulled aside and sanctioned whatever speed you were doing. Trouble is in Britain you can't even trust the cops to exercise good judgement and not to abuse their power with a book of rules, let alone with a free rein. We are victims of our own culture (institutional, political, judicial and civil) and as a result on occasion wind up feeling like we're trapped in something resembling Orwell's 1984.