Kid overboad plan
I'm a grandpa. I watched a lady try to convince her 4 yr old to wear a PFD. I thought why not take advantage of the fact that kids want to do what YOU do, and wear yours? In my car it's a game. Seatbelt? Check! Door? Check! Traffic? Check! OK we are ready to go!
The kid overboard plans assume you'll be able to get to and put on your PFD. Suppose another boat crashes into you and knocks everyone overboard? I personally know of three instances of that in NJ alone.
Get yourself a comfortable PFD and the kids too.