Speaking as someone who typically drives ~73 mph on expressways with a 65 mph speed limit, and who has driven accident-free for the past 49 years, I don’t exceed the speed limit because I think that it is “cool”. I do it because I need to get where I am going as expeditiously as possible, and it is obvious that I can do it in safety.
On local roads, I usually drive ~5 mph over the speed limit, and that is mostly because the speed limits on most of the roads in this area are set unnaturally low. When driving through farm country, on a level road with no crossroads and few houses, it is actually pretty bizarre that the speed limit is 30 mph.
I can–and do–drive ~35-38 mph on these roads, and I would probably drive a bit faster if not for the occasional hidden radar trap.
In my younger days, I was involved in two accidents. One was the result of being distracted in congested stop & go traffic, and the other was because I was driving a bit too fast (about 30 mph) during a snow storm.
I know of people who drive like snails, and yet their cars look like they have been through a demolition derby as a result of multiple fender benders. By contrast, I have driven for almost 5 decades without as much as a scratch on my car, and it has been over 30 years since I received a traffic citation, and that was for making an illegal left turn–NOT for speeding.
When you drive on an expressway, the most important factor (aside from driver distraction) in accident avoidance is the speed differential between your car and the majority of others on the road. If most of the traffic is exceeding the speed limit, driving at–or under–the speed limit actually puts you at more risk because you are the outlier.
A few months ago, I encountered an elderly man driving his new-ish Bentley Continental in the center lane of I-287 at ~55 mph, while 70+ mph traffic roared around him on both sides. He was the problem, and while I hope that his extremely expensive car (and he) escaped unscathed, he was actually putting himself in danger by driving the way that he did.
The key is to drive in a way that allows you to at least keep-up with the flow of traffic, and nowadays that almost always means exceeding the speed limit. Despite usually exceeding the speed limit, I have been accident-free for close to 5 decades, so I think it is pretty clear that I am not being reckless.