I will NOT drive without a seat belt.
But
I still haven't installed the roll bar that I've had in the garage for 2 or 3 years.
Even though the most common roll bar is merely bolted to the rear wheel housings, it is still better than using your head for the fulcrum in a rollover. If you're doing street driving, the most likely cause of a rollover would be being hit broadside by something bigger.
If you drive fast (45 or over) then you might roll over on a corner if you're not careful. A high speed rollover might tear off the roll bar so the issue turns into a crap shoot at that point.
I will eventually put the roll bar on so I can go off-road at the parks near Chicago. But only for that. I prefer to not have it most of the time since I do parades with my Dad.
https://jeeps-folbots-etc.epizy.com/jeep/parades/parades.htmlA roll bar doesn't cut it for parades.
And if you remember, the famous Joe Kennedy Jeep rollover accident in 1973, that Jeep had a roll bar but the people were not wearing seat belts so one girl was paralyzed and David Kennedy badly hurt. Without the roll bar, maybe there would have been some deaths. But, mind you, that was a case totally determined by the stupidity of the driver, not the equipment in the Jeep.