If you're going down this path, what makes you single out adjusting the A/C? My car has a physical knob to adjust the temperature of the A/C that I can locate without looking, but I need to look at the seven-segment display to see the temperature being adjusted. How is that different from looking at a touchscreen and tapping a button on the screen?

It’s risky too, but it’s pretty much the only thing on the center console that is directly related to your physical comfort which will impact your concentration. That’s why I made an exception for it.

In this case, looking into side mirrors is dangerous, but not looking into them is also dangerous. Thus driving is dangerous, but walking is dangerous too, so better to sit in a safe room away from the dangers.

Driving is dangerous. But looking in your side mirrors is necessary. But looking too long is dangerous, especially in stop and go traffic.

My point is not that we should do nothing because everything is dangerous, but that we should minimize the risk by avoiding things that are unnecessary.

Adjusting the radio is almost certainly unnecessary to drive.

Annoying music makes the driver angry and inattentive, so not adjusting the radio is also dangerous. This kind of risk assessment algorithm is already built into our brains, and I doubt you can improve it with a formal simplistic model, partially because the risk weights depend on circumstances.