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Grantmac said..
A waist harness will promote better stance because a seat harness will let you get away with a crappy one.
Although if your widest point is your waist then a seat is probably best.
Your first point is correct, but your second is not.
The waist harness stays in place whether you have a waist or not - once you have the stance correct.
That's because with good sailing stance when planing along, the harness line pull is outwards.
But full marks for mentioning stance. We can't have a meaningful discussion about harness comfort without using that word.
People often blame a 'bad' harness for discomfort when it's actually their stance that is the cause of any problem.
The same people claim they 'have' to use a seat harness because of a 'bad back', when it's usually their poor sailing stance that is causing the bad back.
These nuggets of truth simply tell us that experimentation is good.
Shift your mast foot position and change your footstraps. Adjusting boom height is also key. - And these three changes all interact with each other to set your sailing stance.
If you use a seat harness because you feel otherwise the harness keeps riding up - then that's the first sign that your stance is wrong.
That said, seat harnesses do have their place for holding down big rigs with serious bum weight.
Waist harnesses can be equally fast for speed sailors, but they are way better for people who want to turn efficiently when sailing in a more upright stance.