Do not run a harness on the street unless you don't mind being paralyzed or dead in an accident. Wearing a harness without a roll cage or bar and if the car flips in an accident your head cannot go anywhere if the roof caves in and you be dead.
I use a 4 point harness but like Bumnah said it does ride up. Although I only wear mine for my 1 minute autocross run so it's not too bad. I've worn 5 point harnesses and they are more comfortable. I prefer cam locks as opposed to latches.
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