Option 2
With the belt/retractor out it is possible to warm the plastic cover enough to use a wide blade tool,
gently spreading the slot open just enough to manipulate the the tongue end through the opening.
Try it on an old cover to get the feel. If you don't think it's going to work then
the complete disassembly is suggested.
Its a PITA but can be done.
GO SLOW.
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When I die, I want to go peacefully like my grandfather did, in his sleep.
Not screaming like the passengers in his car. 
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