I a confident driver and am told I am a good driver. There are two situations I will do everything I can to avoid driving in.

I will do all I can to avoid driving during an ice storm, of which we have many in the late winter in North Carolina. I don't mind driving much on snow covered roads - but thick frozen rain is all together different. (Will also avoid riding with some one else who is driving in an ice storm.)

I have become very nightblind over the past 3 years. I avoid driving 2 lane country roads at night if I don't know exactly where I am going, and especially if it is raining. I can manage the freeways at night because I don't have headlights coming directly at me due to the median. Much to my surprise, I do find that those yellow/amber colored plastic lenses do help cut down on the glare on on-coming cars - but still limit 2 lane road night driving.