[Mrs 66 Snake]

Ours has the 5 pt harness and I use the shoulder and lap belts. The "crotch" belt never gets hooked in for 2 reasons - 1) because I want to be able to scooch down if need be and 2) I use it as my Oh **** handle. Since I've yanked the little door handle thingy off at least 4 times, it's just safer to hang on to the belt.

And I do realize that scooching is an unrealistic game plan in the event I need to duck, and that grasping the belt/door handle will likely not keep my ass from flying out the car, but it makes me feel better. And it allows me to ride in the car with out covering my eyes.