Driving drunk? Been there, done that. Got away with it.   BUT...
I very very nearly had an accident when I was slightly tipsy but driving well, and the motorcyclist was probably sober but driving like a maniac. He would certainly have had his leg ripped off, surely have died. Who would have got the blame? A tipsy adult or a dead teenager?
No contest.
Now I drive only when sober. My wife won't drive after ANY drink either. And as Gareth says, If you have partaken of the lunatic soup, you are NOT insured. Not just below the limit, some companies make their own rules, sue them if you don't like it.
I understand that in NZ the maximum charge for DD already is manslaughter. Apres moi, le deluge, if that's how it is spelled.