You know, that's an issue I've actually grappled with for some years. I cannot imagine anything that can more improve the safety of my aircraft. But the ones that I know are available are also quite uncomfortable. So I put off the decision yet another year.
I would only install one that had inertial reels. The hard point ones are so uncomfortable, I don't use them. If I'm crashing an airplane so hard that I need the shoulder straps, I probably don't want to survive my stupidity.
I had reels on a prior plane, put the buckle-ups on this one. Like them both, don't find the curreent set to be a problem, Happy to say neither system has been tested for adequacy--so far, anyway.
Have BAS, if I were to do over again I would have a crotch strap for the front seats. Seen too many front-seaters down by the pedals post-crash. Then again the crash may not have been survivable regardless.