[bobcowan]

4 point is better 2 point. But, a 4 point can be more dangerous than a 3 point factory style in a frontal collision. With the anti-submarine belt, there's a likelihood you'll slide out underneath the lap belt and fracture hips, pelvis, and lower spine.

The 3 point harness allows the upper body to bend forward and rotate , preventing you from sliding under or hitting the steering wheel. That's the theory, anyway.