I know the feeling of not trusting the drivers on the road. I also live in a rural area where road traffic has increased and drivers don’t understand the need to slow down around horses. There are roads that used to connect nice loops that I won’t ride along any more because traffic has made me uncomfortable.
Trust your gut.
If you want to be able to ride, give the boarding stable a try. Worst case it’s not what you hoped and you can just bring your horse home. 20min isn’t far at all and you will surely meet new friends.
I wish there was an indoor offering board 20min away from me. Instead I am bracing for a winter of riding in the rain.