i would definately use the 5 point. if you dont use the fith point the lap belt will ride up on you and not protect you in a rollover.

i just ordered some 3" lap, 3" shoulder(with sewn in pads for comfort) and a 2" sub strap from Crow Enterprizes they were $100 each set. i use the same thing in my Rhino and absolutly love them. they are very comfortable.