I wear steel toed boots now and then -- when I feel that I might be in a situation where they'd be a good thing. But I remember one time when I was visiting the shops at one of our local iron mines. My company was picking up and recycling used oil filters, and either they'd have them all in a drum or I'd have to grab 'em, one at a time, and put them into one of our drums. They're heavy and slippery, of course -- since they've been sitting with a bunch of other filters and getting drain oil all over them. Well, sure enough, one got loose and feel on my steel-toed boot. But wouldn't you know it, it landed with the edge of the filter down and at a 45 degree angle, and it fell right at the END of the steel insert. Heavy and missing the steel meant -- another broken toe for Jon.
Wear your safety garb, but still -- be very careful when you wear it -- you might need it even when you think you're safe.