You RARELY wear a seatbelt? I don't care if you are on a trail or the road, seatbelts will save your life in a case of any accident.
You'll look real purty when you go through the windshield.
OK sorry, I don't want to see any of my friends hurt and it bugs me that Mark doesn't usually wear his 5 point when we're on the trails, even loosely at least.
I'm looking at installing seats and at least a 4 point harness pretty soon. I really like the harnesses, because with the shoulder belt, it is always getting in the way when I try to look out, so its either work around it or tuck it under an arm or behind me, or not wear it at all. With the 4pt, you can have the lap belt on at all times, and then shrug into the shoulder straps on hairy stuff. Even the lap belt is better than nothing.