I am Dutch, have 0 cars, 2 bicycles, and I'm perfectly happy with it. I've only recently came across the first situation in which I felt like car access would be usefull.

A couple I'm friends with were pregnant and they don't have a car either, but since they wanted to be able to go to the hospital quickly and indepently, they rented a car for a week or so. This would't work for me because I don't have a drivers license. People often ask me 'but what if you need to do this or that...' and never do I feel like they're pointing towards a problem that I have. Just some minor inconvenience, if one at all. But in this case I thought, yeah if my wife were pregnant it would be damn usefull to be able to transport her by car, by myself. If it ever happens I'm sure we'll find a solution though. But I found it interesting that it was only the first situation in which it actually seemed usefull to have car access.