In reply to chris20:
Someone will probably be along in a bit to recommend the Chris Tan 'Death Knot' - pull a big bight of rope through the harness and step through it like a skipping rope, then pull the slack through and dress it up to make a lark's foot.
Better than that, and only very slightly more complicated, is a 'step through' bowline. It's a bowline on the bight, and again you step through the bight like a skipping rope before threading all the slack back through the knot.
For top-roping though there's really nothing wrong with clipping in with a screwgate, in which case you could tie a small fig-8, alpine butterfly or overhand loop to clip to.