its ok for you to say get 6 point harnesses dh, you have had kids already!
personally i like my balls being operative, hence 4 points in mine 
Fitted 6 points in mine, as they were free, and didn't find that I was contricted. The crutch straps come up and then split either side with plenty of room between. The straps have to pass through rings mounted quite a long way back from the buckle on the lap belt and are not really near the "wedding tackle" at all. I can see that a 5 point might get a little uncomfortable but the 6 was just snug. Having seen the mess that can arrise from "submarining" under a, admitidly poorly fitted, 4 point it is not worth the risk.
Very happy with mine and the seat was a Corbeau Pro Sprint XL £180 delivered so didn't break the bank either.