Unfortunately, it is hard to say which person is right..

It all depends what kind of road condition and what type of carsh. The best thing you can do is undrstand the limits of your vehicle and don't push over these limits, no matter what vehicle. And there is no car that is really safe all the time. Even if you drive a armour vehicle, the rescuers may have trouble of getting you out from a pile of hard steel in the crash. You may die of internal bleeding. Drive defensively, it is your best protection.