let's think about forget to clip out and falling as simply forgetting to undo your seatbelt while getting out of the car at a parking lot. We've all done that, it's embarrassing but not overly dangerous...
Dangerous, or horror, stories are likened to you driving your car into a lake and the car is sinking, and your seatbelt is stuck. Someone please find me such a situation? You needing to relieve yourself and your pedals won't come undone?