My pet theory is that crashes are caused mostly by [a] impatient and unobservant drivers.
Take case [a] for example: I just sit in the slow/middle lane of the motorway at about 70mph. I have lost count of the number of times I've been tailgated by some pr*ck in a BMW or Audi, flashing their lights at me, while I overtake a lorry. What they don't realise (or care about) is that they risk causing a crash between them (the guilty party) and me (the innocent party). Why should I be put at great risk but some selfish git? I just want to have a nice, relaxing, safe journey and that tw*t won't allow it. And that kind of driver just doesn't care that everyone thinks he's the turd in the swimming pool either.
Furthermore, let's consider the simple time calculation - let's imagine I am driving from Southampton to London up the full length of the M3 - typical commute for many, total motorway distance is approx 60 miles. So, at 70 mph, minding my own business, I get there in 50 minutes. At 90 mph, weaving in an out of traffic, flashing and beeping and aggressively tailgating, Mr BMW W*nker gets there in 40 minutes. For all the nuisance and danger he has caused, he saves himself a grand total of ten minutes on the motorway, for a total door-to-door journey that will most likely be about two hours. What a dog turd he is ...
So, it's not so much down to outright speed, it's more down to attitude.