Did you know that if the seat belt is uncomfortable and digs into your neck that you can adjust it and move it down in most cars.
In this car I just need to pull out this middle block and move it down. But it's similar in other cars.
The diagonal strap should lie across the chest and away from the neck. It also shouldn't be twisted.
If it's too low down on your arm then you can also move it up.
So don't let the seat belt be a pain in the neck and simply adjust it.