Not sure the belt above will be more comfortable. The anchor point for the harnesses is pretty important.
I feel the added cross bar gives you much more adjustability and that in turn may help with the wives comfort. I actually have 5 point setup in mine. This helps with keeping the lap belt in the correct position.
I know its a PITA to get the belts properly adjusted, but you never plan on having a need for them. Also keep the nets in place!!!!!!
BEEN THERE AND DONE THAT!!!!