It mostly has to do with how they are mounted. Too close together and you tend to rock side to side. Y style sucks in my opinion.
Put your shirt on - you'll take care of two things.. Won't look like a douchebag and you won't chafe as bad!
I get shoulder chafe usually at dunes nowhere else. Might just be sand getting in there or something. I'm running proarmor padded harnesses. Love em but yes some chaff-age.
Here are some some slip over pads that might help or find some soft cloth and make your own .
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