Well actually it's Christo, not Chris, but that's ok...
As for those lower latch system child seat things, you can easily add them to any Cruiser in about 5 minutes. I put them on my '97 and my sister put them on her '99. Just buy a 3/16" steel screw-close carabiner from a hardware store, in the $1 each range or less. Put the carabiner through the same metal slot the seatbelt goes through, it'll fit, ideally have it slightly off to the side of the seatbelt, so the seatbelt portion isn't sandwiched between the metal you're adding and the factory bracket. It works perfect, easy to clip into, solid, etc. I can take a pic of my setup if you want.
Adding these anchors was a requirement on my son's new seat, it (like alot of new seats) are only really designed for the LATCH system, since the seatbelt runs right behind the kid's back, no space there at all, just the 1/4" of padding. If using the Cruiser seatbelt the buckle ends up right in the child's back...most older carseats had a actual open area the seatbelt went which could easily handle a buckle or something, but the newer style usually doesn't have that..
Good Luck..