Re: Do you wear a life jacket?
I think you're supposed to attach your harness in such a way that you don't exit the boat ever.
I sail in the Puget Sound, and as has been mentioned over and over, its super cold year-round. My limbs would stop being useful to me in about 10 to 15 minutes in that water, so I wear a mustang inflatable at all times on deck.
In Caribbean waters I'm less concerned.
However, I always always always bring the type IV throwable into the cockpit and ready to throw at a moment's notice. If someone goes in without a PFD, I want them to have something to grab within seconds.