Latch & link restraints are a pain to fasten, particularly when used with a 5 or 6 point system. Cam-locks are much easier and quicker to get into and some function more smoothly than others. A racing harness - while much more secure - is not a street legal restraint, but enforcement in many states is lax. Every time I got stopped in the 7, it was definitely not for a lack of approved seatbelts LOL. In a modern stock vehicle, the 3-point seatbelt allows one to move a bit in a crash and your body is protected with an airbag or two and a cushioned cabin. In a high impact collision with a 4, 5, or 6-point harness-equipped race car (a Goblin maybe?) without an HANS-style head/neck restraint, your neck can be subject to extreme forces (think severed spinal cord and quadriplegia), especially with the added weight of a helmet. But HANS devices are not suitable or practical for street use. So, you make your choice and take your chances.