It seems to me that if you are in an accident so violent that it bends the frame of the truck to the point that it shoves the steering column into you, then you couldn't possibly survive the wreck even if there was no steering column and you were wearing a 3 point seat belt. Most occupent versus steering column accidents involve the occupant flying forward into the steering wheel/column. That's reason enough for me to install a 3 point belt, but the real reason is I cannot stomach the thought of my wife dying in a low speed accident because there's nothing to stop her from hitting the dash or windshield.
