army1987 comments on Be a little bit more trusting than most people think sensible - Less Wrong
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Could use the same reasoning when predicting you won't be having a car accident, then being pleased not having bothered with your seatbelt.
When you're unsure if an event is rare or really rare, noticing that an event did not occur in a few specific situations won't much differentiate rare from really rare, since it's the expected result in both cases.
The inconvenience of wearing a seatbelt is much less than the inconvenience of carrying lots of luggage to a toilet and back.
And the potential cost is much higher (even if the odds are somewhat lower).