My new car has a full cage.. even belted in my head could hit the upper side bar but then again it could hit the edge of the roof too. the bar is thickly padded and hitting it would most likely do less damage than hitting the unpadded roof edge.
The rear hoop is far enough back so as not to be an issue and the door beam is protected because of the seat bolsters.
I may try to lower the seat some to give me even more room.
If done right a cage is fine.. if done wrong it can kill you.. seems simple enough to me..
Anyone remember the automatic seat belts on cars in the early 90's.. it would automaticly put on the shoulder belt but not the lap.. a few lazy people got decapitated and now that idea is gone.
Its called a safety SYSTEM for a reason.. all or nothing.. so buckle up