A jacket includes an inner harness, a jacket for wearing over the harness, and a load for attachment to the harness through attachment openings in the jacket. The load can be an airbag, a backpack, or other load or load carrying member for attaching to the harness. The jacket has at least one back opening providing access to the inner harness, to facilitate the attachment of the load to the harness. The jacket can be readily removed without disturbing the harness or its load. The removed jacket is effectively carried by the load and/or harness to which the load is secured. The inner harness can be used to carry loads without using the jacket.