This is the way.
I'm usually pretty good about seatbelt usage.
>90% as a passenger, 100% as a driver.
Recently I had a carload of people, we were doing 55mph, and a car pulled out in front of us, crossing the road. I have no idea how we didn't hit them. I absolutely stomped on the brakes, thank goodness it was dry pavement, the wheels still locked up (ABS pulsing), but it was a very aggressive maneuver. Had it been winter we'd have t-boned them at-speed.
Also thankfully, everyone in the car was wearing their seatbelts. So while all the drinks and papers and random stuff around the car ended up on the floor, everyone was ok.
This has renewed my convictions about passenger seatbelting, both mine and others. I'm back up to 100%.
Edit: formatting
Edit 2: highlighting the relevant part people keep missing