This is a perfect example of how bad "reasoning" has contributed to the awful design of so many recreational BCs. ...."It's more comfortable on land, it must be better underwater"....
The problem is that wearing a BC in the underwater environment is nothing like wearing a backpack. The weight loading is totally different; in fact, in the water the BC is often the source of buoyancy, which is the exact opposite of the situation with a backpack on land. Adding padding on the BC is really foolish if you're wearing neoprene; you're already padded plenty. The extra padding just adds buoyancy exactly where you don't want it.
No offense, but where do you come up with this stuff?
Experience, and then, some more experience.
'Weight loading' (your word) is rarely a problem underwater because things don't really weigh much underwater. I did make the point that it is not weight, but inertial mass. And that matters the same way on land, or underwater. A 40 lb tank 'weighs' 2 lbs underwater, but it still slings around 40 lbs of inertial mass. And that's what matters. And that's where an adjustable harness makes more sense than a non adjustable harness. And of course it makes more sense then an adjustable non-harness, too. If you have never dove somewhere where the surge sweeps you 30 feet this way and then 30 feet that way, then maybe you don't know the difference. But I have, and I do. Surge does not equal current. I see plenty of people visit Hawaii, and freak out when they experience surge. Because then (and maybe only then) you do actually understand the difference between weight and inertial mass, and why securely holding the body is a good thing.
Not everyone wears neoprene. Not everyone does only boat dives. If you only boat dive in neoprene, you can carrry your tank in your hands. That's even simpler than a hog harness. Once you decide to put it on your back, then you have to figure out how to keep it there.
A hog harness is one way. It's not the most comfortable, it's not the easiest to doff and don, and since it does not adjust, it's not the most secure. And there are specific reasons (bad backs, bad shoulders) why a lot of people simply can't, or won't use them. The old, bent black coral divers in the Pacific give up on them exactly for this reason: they can no longer put on their gear because the shoulder hits have made 'hog style' harnesses impossible to wear if they put it on both shoulders.
I know that DIR/GUE is getting a lot of attention and all that, but people have been diving Non- adjustable harnesses (and giving up on them) for a lot longer than WKRP in Cincinatti has been going. Non- adjustable Harnesses kinda work, until they don't work for you anymore. Because you find out carrying doubles and deco bottles sucks with one, if you have to do any hike to the site at all. Or because you realize dislocating your shoulder is not a reasonable price to pay to get your gear off quickly. Or because you want to take your rig on vacation, and dive in shorts and no shirt, and the harness chafes your sunburnt nipples. Or whatever.
Plastic buckles and slides are not a failure point, or they would not be used in hiking gear where they are subjected to much greater weight loads for longer periods of time. So then it just becomes a question of what do you like and why. Me I dove harness starting out.. Switched to regular BCs, and then discovered the TransPac (and ScubaPro S Tek, and X Tek). Granted, I dive where Wetsuits are optional, so how something feels on bare skin matters. And I do weird shore dives where you have to hike in, or dive under ten foot waves on the way out. For most dives, a ScubaPro Classic would do just fine. But all my stuff is on the TransPac so I just use it. Because when the Molakai Express turns our safety stop into a drift dive (or when a customer just cannot make it against the current to get back to the line), or when the captain has to leave the mooring, I got the stuff I need on the BC. Or when I am having to dive under ten foot waves, I don't want the gear slop. Instead of three different rigs, I got one that will do it all. So I dive it.