The DMM Maverick is a top of the range rock climbing harness with all the features which you need.

The padded waist band provides sustantial lumbar support and is "free-floating", so your gear loops are perfectly centered at all times. The leg loops are elasticated and offer adjustability, without the need for additional buckles.
New for 2008, easily operated "speed buckles" ensure fast safe and effective adjustment, whatever the weather.

Six high capacity gear loops are angled forward, to assist easy and rapid selection of gear. A large rear loop holds your belay krabs etc.

The 2008 version of the DMM Maverick remains a very good choice for women, as the longer than normal belay loop helps to prevent the waist band from pulling down at the front when standing.

Remember that the waist-belt should sit "above" your hips and be tight enough that the harness cannot be pulled down.