No one uses their roll bar until, well..... really need them. They are really not for the operator either. They are for your wife, kids, parents, friends, and even your dog needs someone to throw a stick or two.
I natural to think we are control of our safety (and many things we are) but truth is, just as you found out, &@;6 happens. Personal seen 3 over turned tractors 2 guys walked away due to ROPS, 1 did not as the roll bar was folded because it was in the way and he didn't use it as he was a safe driver.
Personally been hit 3 times on the road, by a car unconvinced by my tractors slow speed, a drunk pickup driver, and a boat by a clueless driver not remembering how wide the trailer was. So when my 2020 came to the farm a rops and seat belt was was installed. Best 620$ that hopefully is never needed but will be the best investment ever made if it comes to using it!