I hope you’re not talking about me, jfem02… have mercy, I’m new :).
Anyway, I live in Monsey and while I’ve been in places with worse drivers, I absolutely am terrified of driving (even during the day, let alone at night) on these busy streets (306, 59, etc) with people walking right on the side, jaywalking, etc. Motzaei Shabbos in main Monsey is the worst- chassidim coming back from their later maariv minyanim, still wearing their black Shabbos clothing, crossing streets, without reflectors. (This has nothing to do with their being chassidim besides for being less likely to drive and more likely to daven later maariv, just BTW.) The extreme lack of streetlights also helps make night driving around here a kind of hair-raising experience.