The Ruffwear Palisades does have two belly straps, but the front one doesn't bother my dog, possibly because of the fleece sleeve. The buckle is high enough not to rub his armpit or elbow.

I've heard a lot of praise of the Wolf packs. Again, though, just as with people, it really depends on how well the pack works with your dog! At least now you know what to look for! I don't think the dog's hair length has anything to do with the fit, except it's easier to determine on a shorter-haired dog.

If your Mountainsmith pack is in reasonably good shape, you can probably sell it, so it won't be a total loss.