A lot to say here for why I think the number of people who can legitimately claim it is a morally neutral matter of priorities and trade-offs for them is small.
For one, there are stigmas around transit and biking. Funnily enough they are contradictory: that only the poor get around with transit and biking, and that only upper class elitists get around with transit and biking. It is extremely common for people to oppose new infrastructure or denser housing on the grounds that it will either A) cause "undesirables" to come to the neighborhood and destroy property values, or B) induce gentrification.
For two, for a lot of people, living car-centrically is an automatic habit because it was a deeply ingrained assumption all throughout their upbringing that you just need a car and that owning a car is an important rite of passage and social signifier in adulthood.
For three, lots of people who were steeped in driving growing up are intimidated by the thought of learning to navigate a transit system or learning to ride a bike.
The last and to me most important thing is that the politics of car dependency are destructive to everyone. It is a negative-sum game to widen all the highways, and increase all the parking minimums, and zone for low density, and block bike lanes. It is extremely wasteful in terms of public resources and environmental destruction and it harms everyone's quality of life.
A lot of people don't really grasp the danger and unpleasantness that their car imposes on others. Seeing, smelling, hearing, tiptoeing around motor vehicle traffic are all deeply unpleasant and you have to place an enormous amount of trust in motor vehicle operators not to kill you where you stand. This is one thing that makes me not sympathetic to the "different priorities and trade-offs" argument. The internal logic is about pros and cons to one's own self, not about the pros and cons to everyone else, and motor vehicles have many properties that put this in stark relief: they are getting bigger and heavier making them safer to the driver and more deadly to whoever they hit; their horns are loud enough to cause ear damage and cause a giant fright to bystanders but are muffled inside the cabin; and of course huge, huge tracts of even walkable cities like NY are dedicated to motor vehicle traffic with many lanes while people walking, biking, scootering, dining outdoors and so on are forced to fight for scraps of space at the margin.
For me living without a car is not just about the benefits it offers to me personally but also the full understanding of the harms to others I am refusing to inflict, or even run the risk of inflicting, by opting out.