I heard somewhere years ago that, for safety reasons, the lap part of the seatbelt should be worn snug over your hip bones, not up high over your stomach. Since I wear my seatbelt that way, it's lower than my stoma, and it doesn't bother it at all.
Only someone in the furniture business would use a metaphor like that. Too funny!
With all the driving you do for your job, you really need to wear your seatbelt. Do it for your kids.