Thanks for the kind words. I wish you and yours a good holiday as well. Apologies if I misread your question. Time is just very short these days.
I think that what's "most safe" depends on the nature of the accident, which makes it an empirical question for which (at least in the case of the Lotus) there isn't a lot of data. So, you'll likely get different opinions, even from informed sources. I also think that there's a lot of misinformation out there about safety issues, so it makes sense to do your own homework. That said, here's my rank-order of how I'd do things:
1. 6-point harness with HANS
: there's no question in my mind that this is the best solution, provided (and this is important) that everything about the installation was done properly. Geometry matters.
2. 6-point harness without HANS
: but if you're gonna spend another $800 or so on your, make the HANS your next purchase.
3. 4-point ASM harness
: but I admit that I've never trusted them and don't like them. Still, what I've read suggests that they work. Just be very, very careful to fully tighten your lapbelts first, as tight as you can possibly get them, and then be careful to secure the shoulder harness in such a way that you don't pull the buckle up and over your hipbones. "Submarining" isn't necessarily the result of being thrown under the lapbelts, and I think most times it happens as a result of shifting around in your harness before impact in such a way that the buckle creeps upwards off the bones (hard points on contact) and into your abdomen. Thanks to Codymac for pointing out that there are now ASM harnesses that are made to work with the HANS. I hadn't known that.
4. Stock Belt with CG Lock
: you'll still slide around a lot, but I trust this option way more than I trust #5, below.
5. 4-Point Belt without ASM
: I won't wear one. Under any circumstances. And I've never worn one that didn't creep over my hipbones while on the track.
Again, my two cents. Honestly, if I were you, I'd just bite the bullet and cut holes in the seat and write-off the expense to the cost of being prudent. If you do, be sure to pay strict attention to the installation instructions. I can't tell you how many crappy (and unsafe) harnesses I've seen at the track. An unsafe installation can be way more dangerous than simply sticking with the stock belts.
Hope this helps. Others may view these issues differently.