Safety equipment has to be usable to justify its presence. Wearing parachutes in an aircraft that is near enough impossible to get out of is pointless. But wearing one in an aircraft you can get out makes sense. But again, this comes with caveats. When it comes time to hit the silk you will almost certainly be leaving your aircraft in anything other than a normal attitude, with an abnormal airflow, a high rate of descent and quite likely with rotation about more than one axis. Once free you will have to find and pull the ripcord. Easier written than performed.
And the question you have to ask, is why are you are having to jump? Broken aircraft, mid-air collision or disorientation? The reason I ask it that if you think about these things beforehand it makes it easier to make the decision to jump. When you do jump, there is no lower limit. Make sure you can get out quickly by practicing before every flight. Do not wait for canopies to come off. Release them by all means but always release your SEAT harness immediately after. Once out you will need to find the ripcord as fast as possible. A good technique is to curl up into a ball, look for it and with both hands pull. The rest is luck although you can get training.
How you raise the subject, not a clue I'm afraid. How about asking outright?