Agree with most of what you say...the sternum buckle/belt is not as universally accepted as a good idea. Some would prohibit it because there have been not infrequent situations where the front of the drivers neck came in contact with the sternum belt and caused severe damage to the trachea (windpipe). With stretch of belts, flex/stretch of the driver, and movement from crash, things do not stay as well-positioned as one might think. Many restraint companies do not seem to be offering that option like they used to...this could be why.