We looked at a lot of lower-end ($40-70 range) reclining umbrellas and had the same issue with nearly all of them - they have a lap belt restraint with the strap between the legs, but not a 5 point harness. Our DD is 8mo, so a 5 point harness was a must. The Chicco Capri ($70) was the one we decided on as a back-up plan if I couldn't get a good deal on a more expensive stroller. I shop a lot of consignment stores and mom-to-mom resales, so my goal was a used MacLaren or something comparable for under $100.
For us, cost was a big factor because DD is our last little one, so I couldn't justify the $200 for the MacLaren Quest or the Baby Planet strollers I really liked. Both of those are very nice, good height, easy roll and easy fold. The sunshades on both are smallish, but that's easy enough to work around if needed.
But the stroller I absolutely love is the one I ended up buying second hand - a Peg Perego Pliko. I'd never have spent the $300 retail price for it for a last baby, but if I had stumbled across it when my first was young I'd have considered it money well spent. It is so easy to use, has an interchangeable tray and bar for across the front that swings open (super-easy for getting a sleeping baby out without waking her!), the harness is like nothing I've ever seen before (a 5 point that lets baby sit up and look around), and the sun shade extends almost all the way down to the tray (great for naps or guarding against the FL sun). Mine is a 2004 model; the new ones are even cooler with a zipper to attach a rain or bug guard to the canopy.