I know what you mean...
I am a strict believer in seat belts after I saw what happened to my cousin who was in an accident last year, not wearing a seat belt.
I got a no seat belt warning in June while I was sitting at a red light in North Carolina (visiting my uncle). I was somewhat lost and unbuckled by seat belt to reach to the passenger side floorboard for a map. I wasn't unbuckled for 10 seconds, but it just so happens a police officer was behind me and saw me somehow.