I adjust mine, fully retracted, so the buckle (male) is hanging as high as possible. It's always right there, over my left shoulder, ready to deploy...
And placing it there upon exit, keeps it "out da door".
i did that the first time.. but i weigh in at a whopping 135 lbs... so i dont use much of the seatbelt at all.. so when i had the clip all the way up, my seat belt was really loose! so i adjusted it for the highest it will go with me sitting there