I've had my issues with Garmin and their shoddy software, believe me. But your analysis of this particular feature is off base. I don't have to "mess" with the settings every few days. It has worked flawlessly since I've had them. It does exactly what you want it to do just not in the "loop" feature. This camera therefore is just as good for accident recording as anything else. The integration with the Garmin head unit is a huge bonus in my opinion too. For example, I can have both front and rear cameras snap still photos if I need to. They'll even do it in Burst mode.
I've complained a ton about Garmin before so I'm no fanboy just being honest.