I think a lot of it depends on your body type. Personally, I've been very happy with my West Marine "Action Reflex" vests
http://www.youtube.com/watch?v=YO8a-DGBvkY. It's cut high enough on the waist that I haven't encountered any issues with my harness. I'm a "husky" guy and to be perfectly honest, I looked kind of ridiculous in some of the kayak-designed vests I tried on. This one fits me much better and has nice built-in features such as adjustable shoulder straps and waist clip, two drain-able zippered pockets, and reflective taping. And at $45, it's a relatively good bargain. My $.02.