if you have an open fitting(like w/ a hole(padeye) or a loop) somewhere near at hand say in front of you:

2 methods:
1/ if the fitting hole is small tie a whipped say 3 in loop inl the end of the towing line and 5 ft away tie in a caribiner (or clip or plastic downrigger clip) to the same line. loop thru fitting, attach to carabiner (or clip). the tow rope is the harness.

2/if the hole is large, put the clip(carabiner etc) in the end of the line and tie in a loop(if forget the knot name) 5ft away or so. clip thru fitting hole into line loop.

there's another one but whatever

the idea is to have less lines and junk on the yak. some drawbacks depending onl the release situation.

-mick