We just bought our first sail boat and I am in the process of getting it rigged up with jacklines and looking for harnesses for our 2 and 4 year old daughters. We currently have two Stohlquist Nemo PDFs for the girls. I have looked at harnesses from West Marine and Crewsaver but I can't figure out how they should wear these with their PFDs. From what I have read they should wear the harness under the PFD. Both harnesses have either a D-ring or loop in the front. It seems that having that plus the attached tether under the PDF will be rather uncomfortable. The other concern is that the tether will either need to come out of the top or bottom of the PDF thus potentially causing a problematic drag position in the water. Can you please share more about your ideal PDF and harness set ups?