Wish I could say I have never needed to use a seatbelt. I have been in two accidents that totaled the vehicle. One when friend of mine did a U-turn in front of another friend horsing around when I was a kid. I had bumps and bruises, my friend had a fractured pelvis from that T-Bone accident.
The second, was another T-Bone where a man ran a red light on my Toyota Sequoia. My 7000 pound vehicle did a complete summersault in the air the way he hit me and then landed on its left front and slammed into the ground.
I don't want to test the limits of a large handgun or rifle in bear country, but I do carry them when I am out there. I also try to keep the rule of having more than one person with me who is likewise armed. Just makes sense.