I use a thick belt too.
The first couple of months may be rough and you may experience some bruising or chafing while squatting, but it will soften in time. When just leaving it around tighten it all the way, and this will help wear it in faster.
Belts are unpopular here with many, but I find I feel much safer when doing heavy squats or heavy overhead pressing when wearing one. It may be purely psychological, but in my opinion, your ALWAYS stronger when you feel safe, so thats what matters.
Have a good day