I'm not sure what the FAR's might say, but I'm going with the exact same 6 point that I have in my track-day car(Miata) if I can. It replaced the 5 point, and while I've not crashed it, I have had a few off-track excursions, and the 6 point is much nicer than the 5 point, for all the reasons you can imagine. Experience form other people, the split bar versions are more comfortable than the V versions. My split is nice. My car harness is a FIA rated 2" shoulder, 3" lap cam-lock pull-down Schroth.
SCCA club rules are requiring 6 point harnesses for 2007 or 2008, I don't remember. I think it's 2007.
Bottom line: the tighter you can tie yourself to the mass, the better off you should be in an event that turns your 1500-lb finely crafted piece of functional sculpture into a energy absorbing device.
Rick 90432