I drove without seatbelt regardless of the law, not really thinking about it. I got married and my wife insisted I wear one. She lost her father when she was twelve due to a car accident and he wasn't wearing a seat belt. Five kids, twelve and under and a widowed mother to take care of them. Whatever choice you make matters.
Seat belt laws may or may not make a difference to you but they do reinforce good practices. In spite of my wife's insistence, I would occasionally forget. A cop in my area pulled me over for something else and gave me a warning about the belt. So now, with two strikes against me, I've formed the habit of wearing a seat belt. Wearing a seat belt doesn't take away from the driving experience, I was just thoughtless.
So, eventually, it reduces needless harm to a few more people. Fact, Fewer children growing up without a parent. Overall lower cost to society. If you would rather not wear a seat belt, and you feel your freedom is impinged. Tough. Go play the knife game if you want a thrill.