Hi AdamW
Thanks for gently coaxing us back towards the nub of the question
Newton's second law of motion (F=ma) is indeed a good starting point, as it tells us that the force applied during deceleration is directly proportional to the mass being decelerated.
A useful rule to keep on the sideplate here is Newton's third law: "Every action has an equal and opposite reaction".
So, a seatbelt rated for a particular maximum mass (aka weight, to use a term that is wrong for the purist but is colloquially accepted) will therefore cope with any mass UP TO that maximum, because the
reactive force that it needs to provide (and sustain) is less for a light person than for a heavy person.
For some readers it might be interesting to consider the 'impulse', alternatively known as 'change in momentum'. Impulse is easily derived from the second law (above), and is calculated as the (force x duration of deceleration), where the force is the decelerative force being applied by the seatbelt.
Since the force reduces in proportion to the mass of the seatbelt wearer, the impulse also reduces in proportion. I acknowledge my assumption that the duration [of deceleration] is the same for any mass of seatbelt wearer, but this is not an unreasable or unrealistic assumption, IMO.
So, where does all this lead us? It means that the force felt by a big strapping bloke, applied by a given seatbelt, is greater than the force felt by a weeny little grandmother. This holds true regardless of any pre-tension in the belt, which is put there to reduce the slack in the belt and therefore start the process of deceleration more gently (rather than let the wearer 'hit' a slack belt).
If all the above is true, then it is strictly wrong to say that seatbelts are more hazardous for lighter people. There may an advantage in being overweight though, since layers of fat are capable of acting as padding and so reduce the amount of soft tissue damage, or, in extreme cases, the risk of a broken rib or breastbone.
Any comments on this? For the benefit of oilman, please resist any temptation you might feel to introduce gorillas at this juncture.