Most road going spec ones are buckle type, no point in having the aircraft style 6 point with crotch strap unless you like that sort of thing
My 3 point Sabelt is adequate, a 4 point is no better in our type of car as the rear two straps should overlap anyway and the chassis mounts are probably not suitable for 4 point. 4 points are better if using a cage with a harness bar.