I've made the unpopular argument in the past that when figuring the calculus on plans of lowering speed limits, you should consider added commute time as time subtracted from the individual driver's lives. Thus if the net time subtracted is greater than the loss of life from accidents, lowering the speed limit is the greater loss of life.
It's surely a slightly flippant argument, but I certainly think there's at least a little nugget of truth to it.