You may want to consider if disabling the buzzy thing (which I do agree is pretty bloody annoying) would have any adverse affects w/ the car/health insurance thing? No, I've never seen a line that says "payable only if the buzzy thing is active", but I can imagine a situation where an insurance company refuses to pay out because of it. Just a thought.

And let's all remember that seatbelt laws are not about saving lives - they are about reducing public healthcare costs (no, I have no idea as to whether or not this has any appreciable effect on my taxes). So it's not so much about restricting your decision to risk greater injury per se, it's kinda about restricting your decision to increase the risk of all of us footing a larger medical bill for you.