Unless we are tooling around on the Chickahominy swimming, I/we always have PFDs on. It frustrates guests at times as they think size of boat matters for some reason. I guess falling off a bigger boat is less likely than a smaller boat?
I think *where* you boat has a big impact, just as *size* has an impact. Being on the open ocean. . .even a 48DB can be quite small. That will put certainly put a different spin on things than just tooling around a small river.
Where I boat, there is never a question of being rolled, or getting the cockpit swamped with a wave. I don't worry much about the PFD's. I have never tested the lanyard.
If I cruised the type of water's Four Sun's routinely prowled. . . I would have the PFD's, the ditch bag, etc. . .etc. . .