I would have to say that a 5 point is way safer than the 3 point. The problem with the 5 point is that it takes too long to get belted in. By the end of the day you won't be wearing any seat belt. I have about 4 or 5 of expired belts left over from my drag racing days. I decided not to install them because they are too much of a pain. Flipper, text me your number, I lost my phone on Saturday night while out on the Z-Force. I lost all my contacts.