I own a 97 Wrangler. My rear seat belts are always falling behind the seat. Especially when I remove it, roll it up, or fold it down. Did you check behind the seats? A lot of the time, they just fall behind. I don't know why anyone would remove them.
Wanting to run stuff over=normal.
When I first got my Jeep, I use to love climbing curbs. Until, I came off one wrong, and slashed the side of my tire and ruined it.