Mostly, you're probably right. Especially about removing injured people from a non-burning, non-sinking vehicle.

BUT, I've been in the position where, had I had one, I would have used it. The day my car caught fire (in a parking lot -- spark + disconnected carburator hose), I found that I had clipped the end of my shirt into the seatbelt buckle. Smoke was pouring out from under the dash & around the edges of the hood, and I COULD NOT get that seatbelt loose. Panic gives us great strength, and I finally managed to pull on the fabric and press the seatbelt button & the thing finally released.

I also left my purse & paycheck on the seat, if that gives you any idea... <img src="images/graemlins/frown.gif" alt="" />