This discussion got my curiosity up, so I checked the size of my BT harness and Gerbing harness. Both are the same size wire, 16 gauge, which is more than enough for 20 amps on a 3 foot run. The BT harness came with a 7.5 amp fuse, and the Gerbing fuse holder is labeled "20 amp fuse max." So there doesn't seem to be a problem with using the BT harness to power the heated gear. Am I missing something here?
The length in the chart I posted is for the total length of the circuit, from the source all the way through the entire circuit to ground. The Battery Tender harness alone is at least three feet, then you have the Gerbing harness, plus the circuitry in the apparel, then all the way back to ground. Yes, it might work with 16 gauge wire. It would likely work better with 14 gauge. When in doubt, it's much better to err on the conservative side.
Exactly how much current does your gear draw? And do you intend to piggyback additional items or upgrade to higher output gear in the future? If the maximum total draw is only 10 amps for instance, I wouldn't be hesitant to use your method. But the closer you get to the 20 amp level the more I would question it.
When I give advice to other people, I stick with the conservative approach. Having a heavier gauge wire than the bare minimum required will never cause a problem, but doing it the other way can and will. When auto makers or bike makers designate wiring size and fuse size for circuits, they leave a significant safety margin. For instance, they don't expect to constantly run 20 amps through a circuit with a 20 amp fuse. For example, if the total draw on a circuit operating normally is 10 to 15 amps, the circuit will be designed for 20.
Jerry