I think we are essentially saying the same thing.
As a body man I'm sure you are well aware of the normal damage sustained at where the body mounts to the frame - especially on older vehicles without crush zones and where the frame is separate from the body. That damage shows how in a crash the body and frame move independantly from each other. Sometimes it results in total separation, sometimes in just movement. A walk around a wrecking yard also shows it.
Now for the point I'm trying to get across - this time more graphical.
Most Jeepsters have a body that is separate from the frame. Engine, drive train, suspension etc are all mounted to the frame. The body sits atop the frame, bolted on with long small bolts through rubber biscuits into weldnuts in sheet metal - no mention needed about 30 years of rust etc, the sheet metal alone is enough weakness.
The seats are mounted to the floor - which is part of the body.
The seat belts, lap portion, are attached to the floor (body.)
Now lets add a cage and attach it to the frame through the floor - some folks even drill out the floor so the cage doesn't even touch the floor for vibration isolation purposes.
Now, since it's convenient, lets add the shoulder harness to the cage, either to a crossbar or a verticle.
In a roll or crash, if the body buckled, bounced, bent, or separated - even for just an instant, what happens to the occupant tied in with the belt? Doesn't the shoulder harness pull down on him? What happens to his spine?
Even if the frame to body just moved an inch or two - how's he feel? (Maybe tighten your belt to normal, then have someone pull it 2 inches tighter? Just to see.)
OK, so we move the shoulder strap to the body, not the cage. Maybe to the floor and up and over the back (I don't like those either.)
Roll or crash it again - better - now lets do it harder so the body separates more from the frame. (Hurcules posted a picture a year or so ago of a CJ where the body and frame separated - by about 50 feet or more!) Doesn't the frame mounted cage pull down in relation to the bady? (It cannot move the other way.) Does the frame mounted loop get lower in relation to the body, possibly crushing occupants? (Gopher trap.) Sure, the loop probably won't pull all the way through the floor - your body will help hold them together.
You want a nice secure capsule of safety - the cage, seat, belts, floor - everything around you - to stay together - even if the engine and wheels go bouncing on down the hill. That's my main point!
But the previous methods are great too - for whoever inherits the rig - just wash the blood off and go again. They are very popular methods - you see it all the time - downright scarey sometimes.
Obviously mounting the cage to a sheet metal body like many aftermarket "show bars" do isn't really acceptable either (Smittybuilt included.) Small plates at the foot help, but can let you down fast. Square corners, sharp edges on those plates aren't good either, they just make it easier for the sheet metal to tear.
Sooo - seems like the best way is -
1. Secure the cage to the body so it all will stay together - that's priority.
Use runners above and below the floor tying the cage legs together - thus "trapping" the body.. That creates the "capsule."
2. Tie all harnesses to the capsule making sure they won't get caught and pulled by the frame, tranny etc.
3. Then, if so desired, secure the cage to the frame - to keep it with your capsule.
Notice stock roll cages, like on new Jeeps, Ferraris, Lamborginis, etc. are tied to the body, not the frame. No it's not "just to be cheap," but a safety issue. They understand safety capsules (I'll bet liability lawyers taught them.)
Notice race cars made from actual stock cars the cage is totally inside the stock body, it cannot separate - it's totally trapped inside the roof and trunk areas - but it isn't tied to the frame. Notice harnesses etc - even seats - are also attached to the cage, not the frame.
When it is attached to the frame, it's after the cage is secure as a capsule, then the capsule is used to stiffen the frame.
Unibody or monocoque designs are different - but not even close to a Jeepster. They are essentally all one piece.
Mainly just THINK - imagine all circumstances, plan on the unusual, then drive like you don';t have safety equipment.