I'm not fond of the struggle to reach the spare water bottle or the heavy book of maps (which I usually lose), or even to take off an outer layer while remaining belted; and seatbelt anchors always seem to be located where the belt cuts across my neck and I have to hook a hand through to hold it down; but it just seems worth it to have that better survival chance. Maybe racing driver belts (one down over each shoulder) would be easier to live with. If one could afford them or get them installed...

Verdict: unsatisfactory, but unavoidable.