Which is why they should be permanently installed (our are) and factory installed, like seat belts. Actually, I do understand; they weren't always factory on cars.
I don’t know, given the the horrendous deck ergonomics I see on many of today’s boats, the builder is the LAST one I’d trust to devise a system configured to best keep me aboard… To carry on with your seat belt analogy, should we be expected to believe a manufacturer whose product performs miserably in crash tests, compensates for poor engineering and design by installing really good seatbelts
On a boat the size of the original poster, I’ve really come to favor the use fixed tethers at the base of the mast, just long enough to clip onto before leaving the cockpit… I have 4 fixed tethers on my boat, 2 at the mast coming aft P & S, one on the foredeck, and one in the cockpit…
I have wire jacklines covered with webbing, as well… but since I’ve added the fixed tethers, I find myself rarely using them, the fixed tethers are so much more user friendly for me… Most importantly, once you get to the mast, you can easily shorten them by cleating them off at chest height, leaving both hands free. If I go forward, I can easily be double-tethered, and the one in the cockpit allows me to just reach the windvane, nothing more…
Of course, such a system becomes a bit more problematic on a larger boat, but on most boats under 40’ or so, it should be pretty workable… The big advantage is that your point of attachment is always on the centerline of the boat as opposed to the side decks, and I find myself much more likely to use it in those marginal conditions when I wonder, “do I really need to clip on this time?” (grin)