... but I really don't understand why needlessly risk ones life.
I agree 100%! Where I suspect we differ is in the definition of "needlessly risk". For some just going out on a boat is needless risk - should we all just stay in bed?
Recently, there have been several boats disappear, presumably lost, on ocean crossing (Grain de Soliel, Lady Domina, Niņa, come immediately to mind). I doubt PFDs would have done anybody a damn bit of good. Ocean Crossings must be needlessly risky if even a life jacket can't keep you safe. Better cross them of the list.
The point that I'm trying to make is that there is no right or wrong answer here - we all draw the line in a different place.
Then leave the burden of your death to your loved ones to pick up the pieces.
Nice attempt at a guilt trip. I see a great future for you in life insurance sales.
I'm off to the store to pick up a half gallon of soy milk, so I don't risk clogging up my arteries (honestly!).
Laugh! Far safer than taking this too seriously.
Go on, you know you want to.