I've been using my reload civilian bag since the beginning of summer, and so far I have no complaints. When I ordered mine, I chose to go with the split strap because I simply don't like having to swing the strap over my head each time on and off. The design isn't as fancy and shiny as the chrome buckle, but it's just a solid and very functional. I've seen the original reload one piece strap at my lbs.. and yeah, I can see how it would be finicky and uncomfortable. I hear that the original strap takes years to break in.. and once it does, it's golden.
Anyway, I used to own a chrome metropolis before the reload.. and in comparison, the reload is every bit as comfortable and functional as the chrome. The quality/fit and finish is what you'd expect from a handmade custom bag. I love the double outside pockets. I don't know how I ever got by without the huge double pockets on the chrome.
Bottom line, you can't really go wrong with a lot of custom messenger bags today. Reload is a great small company with a great product.