I am no expert but will add a few things to think about.
I tried the CG Lock (
This one) and it didn't work that great. Mainly because it would not stay tight on the seat belt buckle. I would tighten it after every session and it came off 50% of the time. My belt buckle was rounded so it didn't have much surface area to hold onto with the CG Lock's flat clamping area.
The method sickmint79 mentioned works well. A driving instructor told me that trick and I used that with no issues. The only difference was before I clipped in the buckle he had me twist the buckle twice so the belt locked the buckle in place. I suppose that was in case the shoulder locking mechanism let go, you still had the lap portion tight due to it being twisted.
An issue I have seen with stock seats is where the harness goes over the seat can cause the belts to be away from the body. As well as putting the belts in odd angles. Like the shoulder, belts are spread too far apart due to a wide seat or headrest. So you may want to see how the harness would lay over the seat and yourself. You can always modify the factory seat to have the belts pass through in the correct spots. I have seen where people cut the foam and had the cover stitched with an opening for the belts to pass through. But that has to be done properly as well. If it is under the structure and just being supported by foam the belts will not be able to work properly.
The other thing you touched on in shoulder harness mounting locations. Do not use a set up that goes to the floor behind the seat. In a roll over the seat belt will actually pull your shoulders down and compress your spine. They need to have attachment points higher than the floor. Some kits I have see attach to the factory rear baby seat mounting points. It is a better location than the floor. But I am not sure they would be strong enough to hold the harness with the weight of an adult and the forces they might see. As they were designed to hold a small child in a seat. Maybe someone has more info or experience with these set ups?