I have spent a lot of time considering the way to be as safe as I could on the street and on the track all the way from no seat belt cars to seat belt without shoulder belt only cars back in the 60's and early 70's to building race cars with a huge amount of safely features built in.
The Schroth and now maybe the Takata has a section on one of the shoulder straps that breaks away during a frontal impact, just enough to cause a slight twist that prevents you from sliding under the belt. In a roll over it lets you slide like a stock seat belt.
Scroth was and maybe still is the only DOT approved 4 point harness manufacturer.
I have never heard of anybody getting hurt in one due to the design.
Of course it is better to have a proper roll bar and real harness.
Not talking about some bolt into sheet metal like some use and allowed on track...never understood that nonsense!
Or a harness bar, they are not safe for anything, well proven info is easy to dig up.
But, when you cannot fit a roll bar and only have one car you can take then the Schroth is better than stock in several ways.
Until I see real reports, or any at all, of an issue with them I will use one when I can
Unfortunately I had a set of BMW E36 specific ones I spent the time making work in the FiST only to find not allowed by NASA and have found no reason for it but perhaps just to ensure not improperly installed which of course I did it well.
I am going to look into running a none BMW specific setup and hope I can, sure safer on track than a stock seat belt, we loose a few drivers every year in stock belts.
Rick