1969 Dodge Dart Custom Sedan Slant Six, Father-Son Project
The stock anchor point does not cut across your neck.
The section of belt that drops down from the ceiling towards your shoulder has a sleeve that guides the belt downward
before allowing it to come forward towards your neck/shoulder, so it ends up being comfortable. True for both me (5 ft 11 height) and my son (5 ft 9).
Here's a photo showing the belt from the front. You can see the black sleeve at the upper right.