Okay, okay, I'll give a serious answer. First of all, the rules on my boat for my son are: At the dock, life jacket above deck, off below deck. When the boat leaves the dock, the life jacket does not come off him (he's six by the way). Tell me, when its the three of you and something bad happens, an emergency, no matter what the wind or how many reefs, are you going to have time to put a life jacket on your five year old when your boat is sinking? As far as guests go on my boat, I give in to the person with the least amount of comfort. I want everyone to feel safe and have a good time.