I find the seat-belt in my 99' to be the most uncomfortable seat-belt of all my current vehicles and certainly the most uncomfortable seat-belt I have ever used.
The problem seems to be that there is no height adjustment at the roll-bar point. when I am wearing a T-shirt, the belt is an irritant to my neck. I have been routing it under my left arm instead of over my shoulder in order to tolerate it. Now I am thinking on getting one of those things I used with car seats to hold two layers of the strap together so that I do not have this constant tension under my arm.
How do others deal with this?