I wear a weight-integrated BC currently with 26lb of lead (and 12L steel tank) so it is pretty heavy to lift on land for sure, like some people have suggested. But I can get it on myself with no help if needed and I can take the weight pockets out to make it easier. With my BC, I keep 6lb in each pocket so have 12lb of ditchable weight (the rest is in trim pockets next to the tank). The pockets are very secure but easy to ditch so am happy with my setup. I show new buddies how to ditch them if needed. Also, if I need I can ditch one at a time, so am not losing all my weight. But I do agree that doing a ditch and don of a weight integrated BC is harder than with a weight belt (but not significantly so). And no, I have not had to do this outside a class so I guess I would not be what the OP calls an 'idiot'
My buddy has had his BC malfunction midway through a dive though, and had to remove it so it isn't always idiocy or entanglement that results in having to take it off underwater, emttim.
I do have a weight belt I can use if I need. Personally, I find weight belts
very uncomfortable around my hips to be honest and that is partly why I got a weight integrated BC. Also having weight put up near my tank in the trim pockets makes my trim better, not worse than with a weight belt. I think that both options have their good and bad points so it is whatever you feel comfortable with.