I have a similar setup - ‘70 2800cs
Does anybody route the upper belt between the headrest and the seat? Currently the upper belt of mine just passes awkwardly across my torso and under my arm. Doesn’t feel as safe as a belt going over the shoulder.
A belt under your arm will do almost nothing. I'm into crash testing for my job, and can tell you that your medical condition with just a (1950's era) hip belt vs a 3point belt with the shoulder section worn under your arm in an e9 is about equal: Really bad from 20km/h - 15 mph as your torso will impact the steering wheel and your head likely reach the windshield. Expect a 50% lethal outcome from speeds as low as 40mph/60pkh.
From what i now know, I'd say route it over the horizontal bar.
star with a disclaimer - I'm guessing that in an e9 your seatbelt setup defines only ~20% of your safety, the rest is (not) done by the weak shell.... A donut has more crumple resistance. Defensive driving adds much more vs what a perfect seatbelt layout will add. Still, everything helps, so here's my take on it:
From what I see and expect the retractor type belts will be safer compared to static ones, as people tend to let static ones be a bit more 'free' to allow for movement. The tighter the belt, the better the crash outcome.
Ideally the belt contacts your collarbone, about in the middle (seen L to R from front), and then follow the shoulder curve a bit upwards and then loose contact with the shoulder just below the top point of your shoulder. Thus it should be about an inch from your neck. Think of it as a contact patch, like in tire knowledge.
Now this 'contact patch' position is influenced by the driver dimensions, and the vehicle belt geometry.
With regard to a roof mounted or mounted behind the rear armrest: I'm hesitant if the roof mount isn't too far forward: if it leaves the body at chest level to go up to the roof, then it's too far forward (or your seat is set to far backward; it's thus also stature related). If it runs over your collarbone and a bit further up, then it'll be OK.
When it comes to the question 'above the horizontal bar of the head rest, or below it', then my answer would be guided by 2 parts: 1st : if routed through the headrest: does the seat (under the leather/textile) actually have a significant steel structure there to support the downwards force exerted by the belt? If not, then it's a Hard NO: the belt would just dig in the seat backrest, freeing up belt length, allowing you to move forward excessively and hit steering wheel/glass. (I've never taken a seat apart, so I don't know). Part 2: only if there is a significant steel structure in the seat, and if the driver is small enough so that his/her shoulder does not climb above the seat's backrest, then it could be OK. Your shoulder should always be below the highest loading point of the belt otherwise you run the risk of spinal compression. I'm leaning towards "over". Still, I'm curious if in a crash the headrest is not simply pushed down by the belt-modern cars have a push-lock and notches on the stem; ours have just a rusty spring)
How will I lay out my car? Still undecided. I think I will want to run retractors as I plan on driving it as a daily 9 months of the year. Likely mount the retractor inside the lower B-pillar, and use the roof mount. I'm hesitant though if the roof mount isn't too far forward for me (I'm 6'1"), so I may relocate, and reinforce, the roof point. But the roof mount makes it really impractical to use the rear seats, is it not? As the seats themselves are weak, they do not allow for a seat mounted retractor, i may just end up with a retractor behind the rear armrest, and a self fabricated rigid steel C point on the horizontal or vertical headrest bars.