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You are required to wear an inflatable PFD the minute you step on my boat. I have a personal one with pockets which holds my ACR Epirb. I wear it on other person's boats. I use the offshore that are rated for ocean use (I forget the miles out....for my commercial Penn Yan I am required to have immersion suits). I do not even know it is on. I personally do not pay attention to minimum Coast Guard standards. Both my Whaler and Penn Yan have life rings and not the silly life cushions which would do squat in an emergency. Also think ladder for getting back in the boat. I am strictly salt water but would have the same equipment on fresh water boat. Water just as easy to drown. The self inflating (with manual cord) are required to be worn to be considered part of the boat. They generally run a little over $100 on sale at different times.
Garris