RE: no harness
IMHO, There is really no excuse not to wear one. It takes minimal time to put one on and tie to the tree, and is really no imposition while in the stand. Plenty of folks I know don't wear them, and I can't figure out why. I've heard too many stories of hunts gone wrong, and you can be seriously injured from even 10 ft.
David - are there any chest only (as opposed to full body) harnesses that might work for you? Good luck in the search!
I'm 27.