well, we've tried to fix the problem with the cross being right under the belt.
There's 1 problem though. If you create it in such a way that makes it look good on armour, it will look like shit on shields and in the banner over your head. Currently, we're limited by the way heraldry is displayed on armour.
We could change the official banner to a white surface with a red cross. When the banners were first made, I'm pretty sure there was one like that, but the current banner was chosen instead.