TVR, Fellow NH-rite here.
The fly in your Personal Choice argument is that the consequences do not fall only on you. A car accident without seatbelts probably means greater injury. If you are insured and it costs a bazillion dollars to rehab/repair you, all our insurance rates will eventually reflect that. If you are not insured then tax dollars will be spent on you directly through social security to fix you or the hospital will have to carry much of the cost and they will pass it on to the rest of us eventually.
Without checking I would say NH has fairly safe drivers but that may be because we are an old, and also well educated state. Both indicators of safer drivers.
And if you are hit by a poor, uninsured driver, perhaps they will face criminal charges but that won't pay for the medical bills.
Be safe.