I understand the PITA that the RPOS can be ... I've been subjected to a couple beatings by limbs knocked off by the RPOS on my compact tractor (I simply misjudged the height of the branches) and had the RPOS on my ZTR knock apples off my orchard. Nonetheless, except when I have to mow very close to the fruit trees, the RPOS is up and my seatbelt is on when I'm in the seat of either my ZTR or my tractor ... this is why:
About 15 years ago, my brother-in-law, who ran a VERY successful lawn care business, was on one of his Scag ZTRs with the RPOS down and no seatbelt on ... was mowing his own property when he hit a relatively small stump or culvert which was hidden by the grass, the mower flipped and he ended up with a good portion of the weight of the mower on his chest ... he could not breath, he could not move, his son was riding a dirt bike on the property and saw what happened, the son rode over to his dad and heard his father's last words ... "get help" ... his son did so, but it was too late and my brother-in-law passed away, under the mower, before help could get there.
Every time I get on the mower or tractor, I can hear Mark tell me, "Hey, don't forget the seatbelt and make sure the bar is up." I always thank him for the reminder....