She wears hers most of the time but not always. She usually has it on when I am plowing, pulling a trailer, bad weather, etc.....but we never put them on to just cruise down the road. I need to try changing my habits on that, but I am just so use to not wearing it.
What changes when you strap in........nothing really. Nothing at all except you stay where you are supposed to be if things get silly.
I feel naked if I am not strapped in.