This is a fun discussion.
I promised my wife many decades ago that I would always wear a parachute when flying.
I had an biannual to fly in my aeroclub. The plane was a 182. The instructor gave me a big stare when I met him at the plane wearing a chute. He asked me what he is going to do if I decide to bail. I responded, "you should think about that." He declined to go forward with the flight.