A self-paced study program with testing at the end should be satisficing and economical.
For comparison, here’s the requirements for pilots. I’d say aviation has got it pretty dialed in by now.
https://tc.canada.ca/en/aviation/licensing-pilots-personnel/staying-current-proficient-pilot
I fully accept your built environment argument, and everything else you are saying. But this? “It’s actually a struggle. climbing it at 20mph, and I even get foot pain trying to keep the accelerator at just the right depression to stay at 20mph.” Means you are physically unfit to drive. It’s also a maximum, you’re allowed to go below 20 mph.