[jmatta]

"Get a 6. If you keep it nice and tight, it will protect your neck in any kind of impact much more than a 5 point"

The difference between a 5 point and 6 point is the sub-belt. A 5 point mounts to the floor and a 6 point mounts to the lap belt points; both hold your pelvis to the seat (aka as crotch belt). Both are sufficient to keep you planted, though most DE drivers utilize a 6 point so they don't need to drill holes in the floor pan.

Neither belt system offers protection to your head in the case of impact...you'd need a HANS (head and neck restraint) to keep your neck from snapping. Of course, if you are just starting out in DE, you probably won't pop for an $800 HANS device.