I always tell people, the helmet may save your dome in many wrecks, but boots, pants, gloves/sleeves will save your skin and massive pain ANY time you go down.
There are plenty of low-speed incidents, one at 10mph would do some carnage to any exposed skin, but often your head doesn’t hit the pavement.
The seatbelt law is complete BS, total nanny state garbage. There is no chance of it hurting someone else, just a garbage excuse to fine people. They might as well call it the seatbelt tax.