A well fitted, comfortable, and effective PFD (i.e. you are 100% unencumbered) should be a no brainer for every sailor to own. I need to own three. One for the small multihulls I race (that works with a trapeze harness), another for our J/80 for day racing, and another for offshore sailing and cruising (a Spinlock inflatable also set up for tether and jack line). It’s close to an $800 investment but cheap compared to losing my life. The only thing left is for me to have the common sense to use the tools wisely.