I use the T-handle or Knotted rope (prefer knotted). Absolutely no chance of getting an arm/leg/hand thru a handle. I cringe when I see others using old wakeboard handles with rope for surfin...Your taking a Huge chance in my book. Not worth chancing IMO. Accidents can and do happen, Im not willing to chance ripping someones arm/hand/leg/foot completely off or mangling someone cause it got stuck through the handle.
Dont coil it either when your choking up on it to get closer in the pocket. Your creating a loop de loop to put your hand/arm/let if and when you crash. (And all newbies are gonna do it...crash)