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The most important information concerning inflatables is:
They are not Set Up when you buy them. You must complete the "arming", primarily by installing the CO2 cartridge. That also increases your knowledge of the vest.
They must be worn to count toward the number of your required vests on board.

They need to be Comfortable, with no edges rubbing your neck.
Mustang does good work, and is probably the best.
Others are good, but remember comfort issues with all.

Price refills, recharging kit prices and availability.
Actually try the vest once, "go jump in the lake". Sure it costs to rearm it, but now you know how it works.

The issue is neither black or white. Open up an inflatable and you will discover that they are highly visible when inflated. More so than most life jackets. This includes reflective patches.
As to maintenance, you are correct; they need to be maintained as directed.
"One more maintenance headache OR just another check list item", which ever you choose?
After owning and using them for 15 years, My opinion is that they will last well, but need a bit more attention and care than the average jacket. If they are to be thrown down and forgotten, they should not be in the inventory.
The cost is higher than I like, but I will wear one more than the others.
As weather and activities change, I move to regular vests.
Inflatable jackets are another tool which will not do everything, but are not as hot, are less cumbersome, and may be worn more frequently.

Have fun out there.