Yeah summit has a lot of good stuff. I've been tempted to just use a harness when I'm off-road because I hate the way the stock seat belts don't hold me in my seat very well.
There is always the argument that "if you're outrunning the stock seatbelts, you need a cage" The thing that sucks about that argument is that cages cost a fuckload of money. That's why I think that when we start to see the bolt in safety cages that they'll be pretty popular.
Everyone likes safety, but for example, if a motorcycle helmet cost $6-10k would you buy one with your motorcycle right away? Most likely not. but because they're generally ~$400-500 you buy one because you like your head.
IMO what the Raptor community is lacking is some reasonably priced safety upgrades. Stuff that you don't have to gut the entire interior of the truck to put in. That's another thing that makes people shy away from a cage too I think. If we could get something that's reasonably priced and doesn't involve massive gutting of the interior to add a little safety, I think it'd be a winner.