Honestly, you're probably just hearing the horror stories. I worked 8 years in an ambulance, and not once had to cut a person from their seat belt.
Sounds good, and I'm happy for both you and your former patients...but others here have. I too can personally attest to folks being cut out of seatbelts. I can also personally attest to a woman drowning in her car in about 5-6 feet of water due to a flooded underpass and a clogged storm sewer...and her inability to get out of the car. Yes...it isn't the norm. To an extent I agree with you...but that's exactly the point. If we're preparing for the norm, we're not preparing for anything. We all have the line we draw as to what is reasonable preparation and for whatever the reasons. However the seatbelt thing has happened enough that fire, search & rescue, and cops carry cutters. Could something that is so uncommon have spawned the wide array of cutters on the market over the years? It's food for thought. But to me, $20 per car (1 for each side) is cheap insurance for the seatbelt issue, and that of submerged cars.