I have a Polar F4 with a chest strap. I love it and you really don't notice the strap after a while. I am endowed with a chest and I'm still comfortable with the strap under my sports bra. There's a transmitter on the strap that sits directly over the heart.
From what I've read, the chest straps tend to give more accurate results.
I love my Polar. If you opt for the one with the the fabric chest strap, you don't even feel it. They are very reliable and last a long time if you take care of them. When one strap went bad, I just bought a replacement on Amazon and used the same watch band.
And they finally changed the battery compartment on the strap so it's easier to get open to replace it.
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