Take a little advice from a Paratrooper. Leave the leg straps fairly loose. That way if/when you fall, you can reach down and adjust the straps so that they are on the outside of your stones :wink:
When I was a cherry I tightened the straps as tight as I could while I was on the bird, sitting down. When you do that, then get up to jump, things "readjust", and the straps end up directly over the "equipment". When you jump, you can imagine the pain. The straps are then tight, and you can't do anything about it, but ride 'em down :shock:
As far as the harness goes, I wear mine under my jacket but over my shirt. It's kind of a pain to have the top strap coming out under my hood, but it's not too bad. That way I can take off my jacket if I need to, or add a coat also.
Hope this helps.