If I'm playing it safe, I must wear both. I'll tell myself that I'm not being excessive because I'm not also using an elastic waist band. After a period of time, I realize my belt never breaks and while the suspenders are only a minor annoyance, I decide it is safe to leave them in my car. If my belt breaks I can go out to the car and get them.
If I'm going to meet the queen and I can't get back to the car easily in case of a belt failure I can still wear both. Hell, I can still wear both every day and keep spares in my car or even my backpack. It all comes down to how I feel about holding up my pants temporarily if my belt breaks and how far I am from my car. How much do I trust my belt? Do I know how to keep my pants from falling down in case of a catastrophic belt failure. Grandpa says I'm silly not to just use the tried and tested suspenders but I like life on the wild side and I realize that pant slippage won't kill me unless I'm meeting the queen. I'll just have a story to tell.