Iīve seen one belt buckle that failed to open after an accident. We needed hydraulic gear to pry the door open (or better rip it out of it hinges). The lady was very heavy and started to get overly excited while being restrained. To save nerves we cut the belt strands at the side of the door.
The belt cutter work great to cut open cloth to examine the extend of an injury so having it canīt hurt.
Cell phone and whistle are always on me (except when Iīm in bed or in the shower). So I agree with you on those.
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If it isnīt broken, it doesnīt have enough features yet.