Well, I go against the tide mostly myself, so I'm not bashful to say I don't have belts in my Ford, and I'll tell you why:
Back when I was a kid, invulnerable to harm from anything, let alone a silly old fender bender, I rubbernecked at a girl walking down the street instead of watching the cross traffic. Well, some other fool doing much the same as I was ran a stop sign and I plowed into him at 40 mph. Today I live with a couple of small but permanent disabilities because of that accident that could have been lesser injuries had I been wearing a belt, which, by the way, was only just then being installed on new cars.
Today I drive my modern cars and trucks wearing a belt, but I get in character in the old Ford partly by not having a belt and feeling that nakedness that some of you describe. I know the danger, and I drive defensively, again, partly by that feeling of danger that not having a belt promotes within me.
I have no doubt that an accident at my age and with today's traffic would rack me up a lot worse than that accident I had so many years ago, and I think that thought helps keep me safer than a belt would should I forget the danger for just that moment it takes to oogle a pretty girl.