I'm suspicious of anyone looking for a harness w/o a bar. Even more suspicious when it is a 4-point harness. Basically, it better be for autox ONLY.
4-pt's are made for autox where you are unlikely to have a highspeed front impact collision. W/o the anti-submarine belt, you are guaranteeing massive injuries should you be in such an incident. Really ugly things happen when your top half is strapped in super tight and the bottom is free to move.
Roll bars should be considered a must for harnesses as well, unless you are ONLY using them for autox. Again, autox is unlikely to generate roll over speeds (although it happens several times a year). W/o a roll bar, you are strapped into the seat with your head as the highest point. It becomes the fulcrum as the car goes upside down. Ouch.
Any harness is illegal to use on the streets in most states b/c it restricts you ability to look around and see traffic.
**edit* just saw the screen name <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/dozingoff.gif" border="0" valign="absmiddle" alt='
'> why am I here **