My two-pennyworth:
I have the 5-points, for both driver and passenger, with leather seats. I find them perfectly comfortable, even on long journeys. The key is to have the lap belts tight. No butchery of the seats, and relatively quick to do and undo. Convenience in use becomes a real bugbear if you are using the car a lot, getting in and out.
The 6-point is really designed for racing, and whilst it could be considered marginally 'safer', for me the reduction in convenience was the reason I didnt consider it.
Angus