Re: Do you wear a life jacket?
I wear one when single handing offshore, along with a harness. I have worn one a few times when ocean racing in rough weather. Nothing like reefing a working jib in a gale on a 30 footer at night with green water coming over the bow!
But generally I don't wear one. I always have them within reach. Went kayaking around the harbor yesterday pfd tucked behind the seat.
After reading this thread I am going to look into an inflatable and think about wearing it when single handing in my home waters of Long Island Sound. I do disagree with the OP though, I think that throughout the summer the water is warm enough here to survive for quite a while.