I know it's my fault, but I really didn't intend or want this thread to diverge (which is obviously an understatement!) into a discussion about seat belt legislation! Anyway ...
I think its a philosophical argument, how much do you value freedom of choice against imposition of rules that save lives.
It would be different if we were talking about rules/laws which saved the lives 'of others'. However, if your question were "
how much do you value your freedom of choice against imposition of a rule which might save your life (but not anyone else's life)", I would probably say that that is a question that only you could answer (or which anyone else could only answer in relation to their own life) - and it is not a foregone conclusion that everyone would give the same answer.
When I was a youngster, the most extreme example of making a personal choice to put one's own life at risk (attempted suicide) was a criminal offence, punishable by lengthy custodial sentences. Do you think that legal restriction of their 'personal choice' was reasonable, even when the choice was 'rational' (e.g. to spare the person intractable and uncontrollable pain), rather than due to a potentially treatable mental health disorder?
Suppose the seat belt law saves lives and reduces NHS cost maybe that saving allows more Hip operations........
Given the extreme pressures on public finances, and associated issues of 'social responsibility', I might have to re-think my position IF it were explicitly intended, admitted and accepted that the primary purpose of seat belt legislation was to reduce public expenditure (on NHS, police, welfare benefits etc.) - but I do not believe that to be the case.
I think you have acknowledged that your view about this specific issue is strongly influenced by the fact that the degree of impact on 'personal freedom' is minimal (hence that you believe that the 'pros' outweigh the 'cons') but I'm not too sure to what extent one should allow that influence on the underlying philosophical and sociological issues. If one wanted to outlaw behaviours which put individuals at risk of their (personally) suffering death or serious illness/injury (and, as a secondary consequence, dramatically reduce public expenditure), one would start by outlawing tobacco and alcohol and then probably move on to sports, hazardous leisure pursuits, DIY etc. etc. - but, as you have hinted, any of that sort of this would result in massive problems from 'affected' people objecting to the restriction of their 'personal liberty'.
Kind Regards, John