Seat belts and helmets will save your life in certain situations. Very few times they will actually cause extra injury.
If you want to feel safe at all times, live in a bubble. If you want to actually be safe, learn to ride and pay attention.
If you are going out and pushing,(or even licking), the envelope, by all means wear everything you can to protect yourself from yourself.
If you are going out riding and are oblivious to your surrondings, then definetly wear ATGATT.
If you are willing to take resposibility for your own actions and actually pay attention to what is going on around you, then you should have the freedom to decide.