Harness Combos & Price
I am not sure that there is one good answer here. When I sungle hand or the weather turns nasty I typically wear an inflatable harness. In summer it is actually about as comfortable as a regular harness and it gives you just a little bit more protection should something happen. Since nearly drwning last fall, my rule is that any time I put on foul weather gear, I put on the inflatable. Since the inflatable is a harness that works.
My inflatable PFD Harness is an autoinflatable. I think that also adds a degree of safety if knocked overboard but I an not sure that the inflatable would be as good an idea offshore in heavy conditions where it potentially could autoinflate.