C&C I understand your seat belt frustration, being only 5ft tall when using a 'regular' seat belt it does cut into my neck also. Our Minivan has the adapter to the seat belt which enables me to lower the base and therefore take it away from my neck.
I must tell you that just a short while ago I was in a nasty car accident, and if it were not for my seat belt I would have been seriously injured. The bruising across my chest incorporated the material pattern of the shirt I was wearing

and I still hit the dash with my knees (even though I had scooted the seat way back from the dash)
The impact of the crash set off the airbags (which subsequently exploded in my face)
The most valuable lesson I learned here was BECAUSE of being 5ft tall I had MORE reason to wear a seat belt, the airbag deploying in my face would have hit me at the base of my chin (rather than the nose, eyes) if I hadn't been held back by the seat belt. I have read horror stories where children sitting in the passenger seat have been decapitated by the airbag deploying..... I understood how this could happen after the accident.
I know it seams a hassle and I understand the height factor, but you are way too valuable to take any risks !!
