Yeah, 3-point in my mind means factory seat belt. You're right, it's up to what the club wants to enforce.
I've done track days in my E36 with stock seats/belts, aftermarket adjustable-back seats/factory belts, and fixed back seats with 6-point harness, no one has ever said anything to me, positive or negative, about any of those setups when going through tech. But I also haven't been up to any of the tracks in the NE.
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11 128i slicktop
13 WK2
19 Alltrack S
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