If it matters to you, I've heard rumors that 5 point harnesses do not qualify as seat belts in some states. Seems ludicrous but worth a check if you care. I wouldn't.
For daily use I'd go cam lock style instead of latch n link. Friendlier and less apt to pinch clothing. More like a factory belt experience.
If it's going to get wheeled, or you want the impression of a true offroad rig, I'd suggest 5 points. With a camlock, 2" shoulder straps, and "pull up" adjustment on the lap belts I don't think you're giving up much.
Tapatalking in traffic