Re: Proper safety gear.
The cutoff is up to you and should be dictated by common sense.
Good statement.
According to the National Safety Council (
http://www.nsc.org/Pages/Home.aspx):
Your lifetime odds of a boating related drowning are 1 in 7,683.
Drowning in a swimming pool is 1 in 6,314.
Drowning in natural water (non-boating related) is 1 in 3,154.
Do you wear your PFD in the pool or at the beach? You're more likely to drown at either of those places than on your boat.
Drowning in a bathtub is 1 in 10,449. Not much safer than boating. Good chance to save some more lives here with PFD's for everyone in the tub.
Intentional death by hanging, strangulation, and suffocation is 1 in 629.
You should be more than 10 times as worried about killing yourself by hanging as you are about wearing your life jacket. Stay away from ropes, neck ties, and in general any object taller than about 6 feet just in case.
A few more things more dangerous than drowning while boating for you to worry about:
Being killed in a car is 1 in 242. You're about 30 times more likely to die in the truck on the way to the ramp as you are on your boat. Maybe a crash helmet and a good suit of armor could help here.
Being killed as a pedestrian by a car is 1 in 610. More than 10 times more likely than boating drowning. Maybe that suit of armor again here?
Being killed in a fall is 1 in 269. Maybe you'd better lay in bed all day?
Unfortunately, death from a fall involving bed, chair, other furniture is 1 in 5,508, about 50% more likely than your boat drowning. Maybe lay on the ground instead?
Death from exposure to smoke, fire or flames is 1 in 1,060. Maybe wear nomex underware and carry a portable oxygen mask with you everywhere?
Intentional self-poisoning is 1 in 737. Probably be a good idea to sew your mouth shut.
Death from assault by a sharp object is 1 in 1,983. Carry a gun, that tends to repel the sharp object assaults. You're 3 times more likely to need your gun than you are your PFD.
Death from exposure to excessive natural cold is 1 in 4,825. Carry a portable heater all the time, or move to Hawaii.
The fact is that boating is a very safe activity. As dwco5051 says, PFD usuage should be dictated by common sense. Unfortunately common sense is not very common. Most people are unduly influenced by media and false assumptions rather than examining the facts and making their own rational decisions based on those facts.