How do you feel about your harness-style seat belts?

Last time I needed to replace my seatbelts I got them from the Ford dealership for a rediculous price and they worked how they should for about a year. Now the stockers are worthless and I have corbeau seats. My impression of harness style seat belts has always been that they are kinda unecessary and lots of Asian cars have them. But I wanted to know from those of you who have them, what do you think? If you could rewind, would you go with factory retractors or harness?
 
+1

Harnesses are really uncomfortable and inconvenient for street driving.

and if you get pulled over with them on you could be written a ticket. sometimes if im lazy i just throw my lap belt on when im cruising around, but my factory belts are in use 90% of the time.

Also if you dont have some kind of halo with a cross bar to attach the harness to then it will actually do more harm then good