I have serious mobility issues. I have a vertebrae in my back that is moving 8mm anterior and 8mm distal so my strength and movement is limited. For my warm water BC that I wear with a skin I do have padding for my shoulders and quick releases. Warm water is an aluminum plate. I can't twist or lean forward or backward so the quick release buckles help me. For my cold water BC that I wear with a wetsuit I do not have the shoulder pads but I still have quick release buckles. Cold water is a stainless plate. Otherwise when set up properly most people don't need a padded harness. I can see how if you have a wide chest or broad shoulders a chest strap might be beneficial