I have the same problem, too, and am constantly pulling the belt away from my neck. I'm 5'4" While I was reading the posts here, I thought about my grandchildren's car seats. They have the little padded pieces that can be moved up and down to keep the car seat straps from rubbing them. The ones on their car seats are quilted. Hmmmm, maybe someone can make quilted ones that velcro on and they will be thicker (depending on batting) and be more comfortable with the cotton fabric. Any ideas out there on how to make them?? Could be a big seller!!