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Just to add a little to the 4-point harness discussion....
Harnesses aren't really a "safety" feature per se, but intended more to keep you from flopping around during track-day style driving. I'd suggest against the use of a harness for daily driving on the street. Just stick to the oem belt.

That said....

The rollbar isn't only to help with a mounting location for the harness, but also to provide roll over protection. This is critical, as a typical 4-point harness doesn't work the same way as your standard oem seat belt does. OEM's allow your upper body to "roll" around the shoulder harness axis, preventing your body from sliding "under" the lap belt (submarining.)

However, a typical 4-point harness (when worn properly, ie, tight, not loose like you see in so many videos) keeps you snug against the seat....and completely upright. In the case of a rollover without a rollbar, you'll be crushed. Those "harness bars" do nothing to help in those situations. I think the only semi-safe situation to use harness bars is during low-speed autocross events, where roll-overs are very unlikely.
The other drawback to the typical 4-point harness is that since they're just a tight, static belt, you run the risk of submarining. Watch some videos of that. The results aren't pleasant.

Companies like Schroth have their "ASM" (anti-submarine) technology, which is basically an extra length of harness, looped around on itself. In the case of an accident, it comes undone and let's your body react in a similar way as an oem belt does. But you'll pay extra for Schroth. As far as I know, they're the only company that offers this type of system. If you're dead-set on wearing a harness while daily driving, this is the only DOT approved option.

Also keep in mind that a harness should ideally be used in conjunction with an aftermarket racing seat as well. Something without all the extra inches of padding that an oem seat has. Again, with the static nature of the harness, if you introduce slack (in this case, by means of the heavily padded seat), you'll potentially find yourself coming out of that harness.

So maybe evaluate why you really want/need a 4-point harness. Then plan out the rest of it as needed.
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