Dave Hinz wrote:

....
Remember, if you use your seat belt (which I do) an air bag has very
little positive effect on your safety.

This assertion is refuted by data...

I'm one of those people who prefer to have the choice.

....

This is especially significant since the risk of injury from airbags
goes way up for certain classes of drivers.

Yes, up to something like 1:1000 per life saved, instead of 1:5000.
Still safer with than without.

I don't know the actual ratioes here (and am too lazy to look them up)
but it is recommended to not use airbag in front w/ passengers under
given weight/height.