I think Schroth & Wiechers have enough first hand experience of designing, testing, & building harnesses & roll cages in motorsports to know what to do that will actually work & save your life.. Most big manufacturers will make a car down to the cheapest price they can & do everything to "just" pass the safety requirements..all to save costs....Making a product to solely meet a certain "specification" doesn't mean its actually safe in the real world....cue the inadequate design/test criteria on flammable exterior cladding which was the main contributing factor in the Grenfell tower fire/disaster..,...the product passed the testing as required ..!!!
I would trust all the above Schroth ASM (anti-submarining) 4 points & Wiechers half cage in a daily & even for track use on a car that is used for fast laps of the local track, or in certain events which would allow it......over here quite a few of the amateur club events would be ok with it..
Over here we get factory road legal cars with half cages & a combination of 4, 5 or 6 point harnesses, & usually the 5 or 6 point harness options are only with bucket seats (i.e. fixed back)..ie Renault & Porsche amongst others (besides Ariel (has 4 points as standard fit), Caterham, Lotus, etc.)....It's a good halfway house better than basic normal car factory set-up...more for a daily...not as good as a full on weld in cage & 6 point harnesses...which then limits the car is solely being a track day car only & not for a daily....
I wouldn't run 5 point harnesses...a central crotch strap is reminiscent of the old Whillans climbing harness...been there, done that!.....
.....& if you fit 6 point harnesses you should only be using a fixed back seat.....& you really need a full cage as you have to have the seat under bar to bolt the two crotch straps to...
Side note:- Although in a different sphere, I know safety systems, & high speed impacts on humans (I used to sell, advise, & specify industrial rope access & mountaineering equipment & sign the certs....so groups such as wind farm builders, tree surgeons, to mountain rescue, to military special ops etc., right through to everyday climbers)