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Jen In general terms I find that belts are supposed to fit a lot tighter than my body expects!! I therefore adjust for what I think I could probably get used to rather than for what is comfortable at the start. Going for what's tolerable rather than comfortable improves security and without the latter there's no point in putting up with the belt at all.
Neosteel suggests bending the metal over the arm of a chair or similar - this helps to avoid all kinks (except for chastity belt kinks, they're inevitable ). Working from both sides over an object can also help you to get the bends where you want them. Otherwise I use firm pressure between both thumbs an forefingers, bending a little further than what I want to allow for spring-back from the metal. In the absence of a machine shop I've found myself using my fingers and toes to hold things during the process.
It's a case of trial and error, as long as you are patient you'll be able to iron out any bends that make the fit worse and discover changes that help. Often just a subtle change in shape in the right place can resolve pressure points entirely. You can probably get the belt changed/adjusted by the manufacturer if you really need to, but most of my belts were basically fine, so I'd say now is the time to work with what you've got as a belt rather than reject it as badly fitting. Take your time, and enjoy the sheer insanity of it all. Lol.