Thanks for all the info. This is good stuff. It's always a bit of a crap shoot.
I ALWAYS wear my belts. My parents had us wearing seat belts while the other kids played monopoly in the back of the wagon. I feel naked without them, and I like 'em tight.
I am a bunch shorter than Dean (thanks for the measurements), so I am going with 6-point plus padding on exposed tubes, SFI/FIA approved.
Best regards, -J.