Guys,
I've been biting my tongue on this one but I've got to chime in and reiterate what Diane, Brad and Ashraf have said. An improperly installed 5-point has the potential to cause more harm than what good it would serve.
If you want, I could point you to some online testimonies where people relate serious injuries they've recieved due to 5 point harness installations that they knew were incorrect all along. Injuries like broken feet, ankles, ribs and damaged internal organs. This is because the 5th strap coming over the top of the seat padding will not stop you from sliding down under the lap belt.
I went through the 5 vs 6 point dilema last year and researched it pretty thoroughly. 6 point wins IMHO. You don't have to cut your seat and I think the 6 point does a better job of keeping your pelvis fixed in the seat. This will really come into play should you ever include a head and neck restraint into your safety arsenal.
Our tech inspection will not pass an improper 5-point installation. Anchoring shoulder straps to the harness bar is not permitted. Harness bars serve to guide/align the straps only. All straps must be mounted to the car's structure. If you have to drill extra holes to provide mounting points, a 4"x4"x1/8" doubler plate will be required on the exterior of the hole. For HPDE, properly installed harnesses are permitted. Additionally, hard top and T-top cars don't require a roll bar for HPDE. If you haven't yet, please carefully read the Tech Guide available on our Time Trial web page.
The harnesses will be fine for autox, but please give serious consideration to not using them on track unless you have an adequate roll bar. I know you don't plan on flipping your car or hitting a jersey wall, but face it, being on track is very serious business with potentially deadly consequences. It is a commonly practiced rule of thumb to not employ harnesses without a roll bar, despite what tech requirements may say. A stock 3-point harness will let your body move out of the way when necessary, where a harness allows for no movement. With no roll bar to protect you, your harness-fixed head and shoulders would be directly subjected to what ever changes that occur to the vehicle's structure.

Also, harnesses are not intended and shouldn't be used for the street whether you have a roll bar or not.
We aren't trying to hurt your feelings and don't want to come across as know-it-alls but rather ... Bud Light commercial segue...

We love you man!

Honestly, we care what happens to our friends and just want to make sure you have a fun and SAFE time at the track. (Stepping off soap box).