That's a great point. Even though the listed rating is say 350 pounds, it is actually capable of holding much more than that (usually at least double). If you actually tested it until failure, you would see whatI mean. Its' all about liability. It does not mean that at 349 pounds your safe and at 351 the straps will break LOL!

The safest thing is a ground blind. But my buddy is over 300 and he hunts from a 2 man ladder stand just fine. I would rather wear a harness that exceeds its rating than not wear one at all. And a safety belt is probably more dangerous than nothing IMO.