Hello Francone,
your "problem" is as old as harness lines exist. Ideally the harness lines should be at the position of the sails pressure point. The whole idea is to not have to hold the sail power with your hands but have it all be held with the harness. This means both hands: so if you are having to sheet in actively with your back hand then the harness lines are too far forward.
When you are planing you will be leaning the clew close to the board and sheeting in. For this situation you might want to have the harness lines far back.
If you are not planing then you might not want the harness lines quite as far back since this will cause the sail to fall towards the back of the board.
If the wind is pretty gusty then you might also want to keep the harness lines a bit further forward and be a bit more active to sheet in to avoid catapulting.
As for the length of the harness lines, it really depends on your preference. For lighter winds you usually want longer harness lines to lean back further and really let your body sag into the harness. However, if you are not going to be planing then 24'' to 26'' might work for you. Add 2'' if you are using a seat harness rather than a waist harness.
I have written an article on this topic which you can check out here.
howtowindsurf101.com/how-to-set-up-the-harness-lines/ Ultimately you might be best served with some variable length harness lines to find your preference. This also lets you adjust to when you have planing or non-planing conditions. To set the correct position you can try it on your board on the beach without the fin on of course, or just standing next to it and not on it. You should be able to stand there, hooked in without holding on to the boom with your hands and it should stand stable. This is a bit more tricky with little wind.
For low wind (ie. non-planing) conditions you can just adjust them while you are sailing as you are in a close to balancing position already.
It ultimately comes down to how you feel comfortable and need the least energy to hold the sail.
I hope this helps.
Arne