Cost has nothing to do with safety
. I also use chest harness( black diamond). My hubby has a spin lock .
I like my harness it fits well and will not slip over my head
if I raise my arms( as most expensive PFDs will).
Harnesses should be fit to each individual and Jack line configuration. There are a million ways to approach this and no cookie cutter
The best advice I've ever been given was to put your harness on and hook it up to a halyard
, wrench yourself up a foot and wiggle around, raise your arms( as you would reaching up to climb back into a boat). You will quickly find even the most expensive harnesses may not live up to your expectations. And harness is just one portion of the safety
gear that help protect from MOB
situations. How you run your jack line is as or even more important.
Hope that helps