Many, many years ago, I used to race AA/FD dragsters. A lot of the guys used to cheat on safety equipment, "because it costs too much"! My reply was that, "When you cheat on safety, you're only cheating yourself". Life jackets are to keep you from drowning! PFD's aren't that uncomfortable. Wear 'em! It's rare for the EMT's to find a drowned body with a PFD.
I'm an Eighth Day Adventist. On the Eighth Day, God went fishing!