I would just offer to not fixate so much on totaling a car. Sometimes these things become self-fulfilling. I’ve totaled two cars and both were over ten years old so not a big thing. One was repaired though and back on the road.
Either way, unless you pay cash, if you wreck the car, the bank is going to want what you owe them. The rest you can use to replace the car. On a lease, they are going to expect you to complete the lease and replace the car, just like a rental car where they expect you to pay for lost sales.