I have a Magic Marine full harness with the optional legs. Hard to describe, actually, but rather than those little crotch straps (which will REALLY bother your...uhhh..."who who dilly"...after 50 or so miles on the wire), they have wraps that fit over your thighs with velro, leaving your....uhhh..."sensitive area"...untouched. They work especially well over a wetsuit, but slide a bit over spraypants or a baggy drysuit.

Only drawback to this (and other full harnesses) is that if you're in a tacking/gybing duel with someone, it's a bit harder to tiptoe across the trampoline than a half-harness would be.

Also - make sure you get the lumbar support.

I haven't seen those harnesses on the catsailor store site, and I'm trying not to post shameless ads, but Rick Bliss at New England Catamarans used to carry them.