2 times (once in college, once about a year out...) I almost "bought it," but had my seat belt because the weather was shitty, and realized after the 2nd time - which was 10x scarier than the 1st despite having it on - how incredibly lucky I was. I decided there-and-then that weather would no longer matter and I would wear it, while in the front seat, every time I got into a car. I think I was 23 at the time and definitely the best decision I've ever made because the 3rd time, it was a beautiful day (late December, '09, was getting on a plane to St. Pete for our bowl game the next day...people might remember my face was all banged up from the air bag...), and if I didn't have my seat belt on I never would have attended another game again.