I hear you...but Ive been on this earth for 50+ years and just got a ccw 1 year ago. KNOCK on wood, but there has not been a time where I wished I had a gun...let alone a time I wished I had a gun and need to draw and fire in less than 2 seconds.
I think the chances of that situation happening is far less than an accidental discharge, be it guns fault or mine (trigger snag, trip and fall while landing at the odd angle, etc).
So if I am driving in the burbs, I will leave the seatbelt off, but once I go on the highway, I will put it on. I am one of the FEW that carry unchambered, but there are times when I do go into an area that I do a little racky racky and chamber da sonamotherless

....or carry my wheel gun.
Having a gun on person and draw-rack-fire within 3-5 seconds is good enough for me, and of course, after writing this......