Hi-Tech,
Your points are very valid and I made some of the same suggestions to my insurance company several years ago. I grew up with the Cobras and fast cars and had a lot of driving experience, but I still never attended a driving school that I didn't learn something. I did prefer the schools where they let you use your own car as I feel they give a person a chance to find out about the quirks of their own cars, and all have them. I no longer drive much and certainly not fast, but I still go out once in a while and practice on a closed section of old mountain highway. I believe that of the Cobras I have seen wrecked around here, most of them happened within a few months of getting the car on the road. And most of the drivers had no experience with any kind of muscle or fast car.
Ron