Who (in their right mind) takes the trouble to tuck the free end into the bottom loop of the buckle? With the end tucked in you can't give it a little pull to snug it up, and you can't readily flick the buckle with your thumb to loosen it either.

Or maybe I've been a dork all these years for riding with the free end flapping in the breeze. Imagine the wind drag I've been fighting.