Not to be a complete smart a.., but I avoid this by not rolling on harder surfaces. I find that A nice face plant with some road rash on the hands works....
Sorry I slipped backwards for a moment.
Actually I notice the belt of my Gi even on nice soft mats. I guess I would say that the main thing is minimizing the pain (previously alluded to above) in whatever way possible. Sometimes this means exchanging it for lesser pain. But I would still question why you are rolling on harder surfaces? Just for the experience? I know that in a high adrenaline situation (such as soccer) I haven't even noticed the roll until later.