In reply to Alan James - UKC and UKH:
I currently have 5 harnesses - so definitely not averse to having more than one (that being said, I only have 5 because they never work as well as you thought they would when you briefly tried them in the shop)
Fit is problematic for me as I have big thighs, but a relatively small waist: for example, I have a Petzl Calidris in size 1 which is perfect for my waist, but the leg loops are way too tight, even when fully extended. If I went for a size 2, then leg loops would be fine, but the waist would be too large. I also don't want to go too large on the waist size because they then slide down when you rack up. So it's a trade-off between leg loop size and waist size. With all single buckle harnesses (apart the Jay, but that's because of the floating waist band) I have tried where both the waist and the leg loops fit me okay, one of the gear loops is pushed back - which is why having two buckles is essential for me as it allows the gear loops to be centered.
I was actually climbing with someone last Saturday whose harness was exactly the same - one of the gear loops was too far back, but he hadn't even noticed (and he was much slimmer than me). I reckon that this is actually a way more common issue, but people don't notice because they don't actually need all the gear loops (how many trad climbers are there compared to indoor-only climbers?)
Yes, pretty much every company has a 2-buckle harness, but they are mostly entry-level models which are not the most comfortable (and, as a big, heavy dude, I need a properly padded harness, especially on hanging belays). The only high-end, two buckle harness I have found was the Calidris, which does not fit my legs.