Not saying you can't drive well because you're only 19 but statistically most accidents happen to young male drivers. It would suck to wreck that car before you even finished payments on it.
In Europe it's pretty much like you say, but you pay more for the food because the full cost of service is calculated in and the waitress gets a decent wage. In the US they only get minimum wage and...
I liked Mass Effect 1 for the story and the graphics but the combat was a joke and it was a bit too linear. More an interactive movie than a real game. Worth every $ though