So your recommendation is (ignoring the reclining seat thing for a moment), "don't put even a 4-point in a car you'd ever drive without a helmet"?
As for rollbar placement, well there's really only two possible spots for the main hoop on the 370. They're definitely close enough for rollover protection. I wouldn't think my head could go both up + back that far, but I'll take your word on it that wreck movement can be more than expected