Tried a lot of harnesses in the shop last year and eventually bought another Hobie convertible, its very comfortable and
for a decent price (I also liked the Zikh diaper but it doesn't have a bar to put the chickenwire cleats on)

Wore the Hobie during a 3h distance race a few weeks ago with only some board shorts but no discomfort whatsoever.

What is this about a full harness being safer?
I assume everyone wears lycras over their harness and PFD anyway?