I got toe clips when I was 14 and instantly knew I would never go back to riding without them. Then they invented clip less, and I switched to them. My habit of twisting to get out is now strong. When I'm occasionally on a bike with toe clips or foot retention, I still twist my foot out!

I like the tension at the minimum setting so I don't have to struggle at a stop. As a consequence, I learned accidentally that this is good for me. I've had a couple of panics when I did the wrong thing, pulling my foot straight up off the pedal. It worked. I didn't get hurt. I haven't had my foot come off when it should have stayed on, so this setting is safe for me.

One exception is on my track racing bike. It has SPD-SL pedals. I can't afford to have my feet come out accidentally on that bike, so I keep it at a tight setting. Different application, though.