Insurance companies keep close track on losses then rate cars and features accordingly. (At least they rate things that way in free states.) The medical part of the policy drops big time on Mustangs that have air bags. The entire premium on a 91 was less than a similar 87 when I was shopping for this last Mustang. They have stats that show less damage to drivers with those larger diameter air bags than without. I bought a Taurus SHO that had tenderized venison and set off the airbags. The bags are not designed to inflate very far towards the driver. They do expand vertically far enough to keep your face out of the wheel and the windshield. The 91 bags kept the driver from being hurt from the deer that went up the hood and tried to come in the windshield.
So unless it is a Takata air bag, I’ll risk getting black eyes over eating the steering wheel or windshield.