Having been in a rally car that is going end over end I love 5-point seat belts, rollcages, and helmets! I do not see the point in having them in a daily driver though, because you are less likely to want to put the seat belt on appropriately if it takes 5 minutes to tighten all the straps so you are locked in.
If you are participating in races with SCCA you would want to call the safety inspector for your region to see how to properly mount the seatbelts. They will be the ones to determine if you can race or not and may as well get the info from the horse's mouth.
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