I've been wearing the ONYX 24/7 auto/manual inflatable PFD now for about 2 1/2 years.
I truly believe that it's more about if you were to have a heart attack while out on the water, have a stroke or you were struck by a passing boat or by a drunk skipper of a fast moving boat and it knocked-you-out ... having and wearing a PDF that will automatically inflate could possibly save your life one day if you were to become unconscious or unable to rescue yourself.
I also carry an emergency whistle, I have mine on a pig-tail that's attached to my PDF and it's always super easy for me to reach. I have used mine a few times in order to alert fast approaching boats that were headed right towards me.
And besides .... they are cheap insurance!
Another thing is that I wear on my PDF is a marine strobe light that will begin to strobe once both of the electrodes become wet together, at the same time.
Example: I end up in the water wearing my PDF vest, it inflats and the flashing marine light becomes submerged while I was doing a night session and I ended up in the water. The light would indicate my location and help in my possible rescue if I couldn't blow the whistle.
A back-up plan is a good idea when it comes to my safety.
It's silly and careless not to wear your PDF.
SP Dan <"))><