It is not exactly like being prepared for a dangerous crash, but it is exactly like being prepared for attack by a dangerous animal.
How exactly alike do you need it to be?
I am in an office chair right now , without a seat belt, it is my judgment that the need for a seat belt is unlikely enough to do without it.
I am also not holding a gun at this time , same judgment call .
Neither of these judgments is going to be the same always.