For the cheapskate angle, I've got a basic RCI 5-point setup (I think I got it through Summit, which means free overnight shipping where I live)--I don't use the submarine part, because I have cojones in the way . . .
Really, I have adjustable seats without the sub-hole, but for a four-point setup, the RCI belts worked out pretty well (two track days on them). I only accidentally put the horizontal bar behind my seat in the right place (I think), and there has been no discernible movement (laterally) when the things are on and buckled (yes, I just got the kind with buckles, through which straps wrap around the bar). I just fling the shoulder belts off to the sides when I'm on the street, and they don't really bother me; when you put them behind the seat to hang, they tend to annoy a bit. Once you get the hang of the strapping pattern, they're pretty easy to take on and off.
I also like the old-school lever-action buckle, as opposed to the camlock/quicky deal, since my car is older than dirt--the buckle is continuing a kind of theme . . .
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