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I personally would never use a 4 point harness. you are better off with your factory 3 point harness. The reason for this is load distribution. A 3 point is better at locating the restraint forces to parts of the body that are capable of withstanding an impact. If you want more then the factory 3 point get a 5 point and be sure you use it properly. Even a 5 point will offer less protection then your 3 point if not installed and used properly.
the theory behind the 5 point and the reason for the crotch belt is not to keep you from slipping under the lap belt but to hold the lap belt down over your pelvis. your pelvis can withstand something like 1400lbs of force before sustaining injury while your abdomen can handle only a small fraction of that without serious injury. something like less then 100lbs. Please forgive me as I don't recall the exact figures there.
it is also not possible to properly use a 5 point with a stock seat. the crotch strap must come up through the seat as running it over the front of the seat would only pull the rest of your belts forward away from you.
Now, with that rant out of the way, the best way to mount a harness set would be to some form of structure meant to be used for that purpose, idealy your safety cage. most harness sets come with mounting tabs that can be bolted down. I prefer not to use them and instead wrap the webbing directly around my cage material. your Lap belts should be secured at a point behind you. Your shoulder belt mount MUST be level with the top of your shoulders. NO EXCEPTIONS mounting higher will result in not effectively restraining you and mounting lower will cause compression of your spine in an impact potentially causing paralysis. In all cases, a 5 point harness must be extremely tight to be of any practical use. If you can latch your belts they aren't tight enough. you must latch them and then tighten them to where breathing almost becomes uncomfortable if not a bit more then that.
Also worth noting is that after market harness systems are not DOT approved seat belts.
Also, A bit of background on me, I race cars on a circle track for fun with plenty of collisions and have rolled my cars several times. Thanks to my full nascar style roll cage and a properly used 5 point harness I have never been injured.
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