I'm very lucky to have excellent public transport in my area.
Yes, I'd say that you are, if you do indeed have one; "excellent public transport" is gradually getting to be a thing of the past in UK, apart from the (mainly) low-cost domestic flights that have improved vastly since 30 years ago when one could fly from London to only a few places and that was it.
While I was a student it didn't make financial sense to learn to drive,
When most of us were students, very little made financial sense! - and it's surely far worse in UK now than it was 30 years ago.
and once I went out and started earning I decided I'd rather have a deposit for a house than buy a car.
That tells us all about the problems of living in this grossly expensive and overtaxed country; what an indictment to have to make such a choice!
And... I've got very used to being a passenger! Being able to sit and read a book while commuting, or just sit and day-dream... it's nice!
That has its moments, to be sure - although my usual experience of travelling by train is of other people frantically working at laptops and conducting business meetings via mobile conference call rather than just reading a book or daydreaming - a fact of which most employers are doubtless all too well aware! It's different on domestic flights, as the use of electronic gadgetry is obviously restricted and most domestic flight durations are under 100 minutes in any case.
Best,
Alistair