personally I think a harness is more important than a PFD, better to stay on the boat than anything else. If I were to travel offshore, even coastal I would demand a harness be wore 24/7, even while sleeping. Its not going to do much good when the sheet hits the fan and you have to wait for the harness to be put on.
The inflatables PFDs are super comfy, but if I knew heavy weather was coming I would wear my regular PFD. One snag on the inflatable PFD and it's toast.
Sailing around the bay in normal conditions with my family I typically do not wear any.
Tartan 37 - S/V Windgeist
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Photo by Joe McCary