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I guess each person has their own concerns, but here in the Missouri hills I'd be scared to death to use a seat belt with no ROP.
"The Constitution is not an instrument for the government
to restrain the people, it is an instrument for the people to restrain the
government lest it come to dominate our lives and interests." Patrick Henry
True! I'd be afraid to be stuck to the tractor without a roll bar - but only because I envision myself jumping off in the event of a mishap... Probably not the best of safety precautions!
A good safety system has to have both (bar and belt). I never had a ROPS on any tractor growing up, and consider myself fortunate to never have had a serious mishap - mostly due to being extremely careful.
Truth be known, you can just never tell. No matter how careful you are, you can't always predict or control uneven terrain, brake fade/failure, etc.
As I said originally, anything that actually reduces risk at reasonable expense would be worth it - to me anyway.
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