Whoever doesn't wear a seatbelt has DESERVED to have something happen to him IMHO.
As for airbags, these saved my life as I had a crash in January. Side/windowbags, i was hit from the left side. They prevented my head from crushing into the window. I found my glasses somewhere on the back seat after it was over, the explosion literally blew them away. My "opponent" was also saved by the driver's airbag, prevented his head from hitting the steering wheel.
So both airbags and seat belts are essential, I'd never, ever buy a car without airbags again. Also, never again without ESP.