I figure if I fall into our waters here in PugetSound etc, ie where ArgleBargle and I sail, I have maybe 15-30 min max before I am unconcious. At least family per say can recover the body if they wish. I do have jack lines I put on last spring for rough days. Otherwise, everyone has an inflatable PFD.
Started this way when I was starting to be on a boat, about 3 yrs of age or so, kinda like may parents were with seatbelts in cars! Even at 48, when I have neither on, it feels funny when underway.
The one until recently I was not as prompt on, was a safety harness, which I have finanally figured out how to rig on my boat to use as I mentioned earlier, last spring with some help and pictures from folks on here.
She drives me boat,
I drives me dinghy!