for those that dont know, BPS has an autoinflate for a hundred bucks. It will fit under your jacket in the cold and may save your life. If you cant afford one then contact your local United States Power Squadron (it's online). They usually can hook you up with a free one to borrow. Please be safe
Ill be honest im wicked guilty of this i never wear mine its always in the boat (and i know that doesnt help once you fall in) but idk ive fallen in at some bad times worst was jan. 12th of 09 fell in boston harbor with no pfd maybe its gonna bite me in the but someday.
For those of you that choose not to wear a jacket or vest, like myself, please consider: http://www.basspro.com/Type-IV-Flotation-Cushion/product/44754/
This is a USCG Approved Type IV flotation device. If the boat should overturn, you wrap your arms around the straps and either swim to shore or wait for help. DO NOT use this option if you don't know how to swim.
Technically, a Type IV is meant to be thrown to someone else and does not replace a vest.
But it is much better than having nothing. And it's comfy on your butt 
This is a USCG Approved Type IV flotation device. If the boat should overturn, you wrap your arms around the straps and either swim to shore or wait for help. DO NOT use this option if you don't know how to swim.
Technically, a Type IV is meant to be thrown to someone else and does not replace a vest.
But it is much better than having nothing. And it's comfy on your butt