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you should only "need" a belt when you are using loads at/above 80% of the 1RM. using a belt with lighter loads doesn't allow the core to to strengthen as well as the other body parts under load and tension.
basically using a belt when you don't need it helps to create a weak link in the low back, setting yourself up for injury in later years...
Most of the times if I am not doing heavy weights I still leave it on unless it's to hot, then I take it off.
I've lost 1 belt and have the other stolen, so I just leave it loose for the most part.