I have a partner quite new to climbing, but a reformed recreational abseiler, who likes to wear their harness quite high up, looks like the bottom of their waist belt meets the top of their ilium. They do this so they can't fall out when invented. A bit like this:
http://cdn-www.trails.com/Cms/images/GlobalPhoto/Articles/2010/4/22/36647/3...
They've expressed concern with how I wear my harness. No one else ever has, but still, I'm curious as to other peoples thoughts.
I on the other hand wear my harness with with the waist belt below the top of the ilium, so when hanging in the harness all the pressure is taken by bone. Wearing it higher up I find quite quite uncomfortable and disagreeable. I can hang upside down without falling out fine, though have never taken a lead fall upside down. I find the ball and socket joints of the femur and my ass provide a widening below the harness structure.
I do wonder if taking a big fall with the harness up on soft structures could lead to bruising or damage.
[Has anyone ever fallen out of a harness?]