I wear a Forcefieldone, with the extra harness as the normal one is shite for me. Never used to until last year when a mate hugged a tree and broke every rib down one side, and detached a lung. Can be a bit fiddly getting on and I know two people who know use the Extreme Harness which seems a bit simpler to use. The chest protector does restrict movement a bit, however I never notice it when riding.
Bought the spidi chest and back protector and had it on for the first time this afternoon. It is very light and fits under leathers well. It fastens above the waist so great if your leathers are a neat fit around your waist,especially if using 2 piece leathers. It seemed to stay in place well unlike my forcefield which I always felt creeped up my back.
No but they do them with holes in I use the Forcefield on with the straps, just make sure there's room in the jacket as mine's a bit tight now.