Paul,
This year I bought one of the
SOSpenders waist pack units, primarily to wear when it''s so hot. Some call them fanny packs, except that you are supposed to wear on your front. It''s not automatic, however. But it is compact and hardly noticeable after a couple of minutes of wearing it. Sailnet has been selling them for something like $55 or so. They aren''t ideal for all conditions but probably will be suitable for your ladies to wear as a matter of course. If conditions get rough they always can don the vest/harness.