If it's comfortable and you like it, then get it fixed.
Sail fixit places have some kickass sewing machines that can punch threads through really thick harness pad material.
It might not look pretty but you can usually drag another year or three out of them.
Mine is due for another stitch up this year. Usually only costs around $30 which is good value for another year or two use.
Each year I try out new harnesses but it takes a few years for them to shape up right for my scrawny ass so I prefer to keep my old one.