Actually it's the other way around. The lap belt keeps you from hitting the windshield, and the shoulder belt is what keeps the lap belt from snapping your spine.
If you're not wearing the shoulder belt then you should not be wearing the lap belt either.
Interested how the shoulder belt irritates your chest? You driving without a shirt on, using one of those "Catholic Guilt" seat belts that's lined with barbed wire and rusty nails?
The neck thing is an adjustment issue. Need to lower the attachment point of the shoulder belt to the B-pillar of the truck, so the belt lays farther out on your shoulder. Or quit leaning left.
The belt locking on a bump that severe it is doing exactly what it's supposed to do. It can't tell that you hit a bad railroad crossing at 60MPH or just slammed into a bridge abutment. When it receives a severe shock it's supposed to lock. You were going too fast for the conditions. You probably had no indication of the road hazard, but the fact remains you were going too fast when you hit it.
Fact of the matter is the seat belt probably saved you from hitting your head on the ceiling of the cab. At least you were conscious to release the seat belt and get back down to the pedals. You could have been out cold laid over the steering wheel.
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Today's Featured Article - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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