I rarely wear one. If I have it on, im with the kids, or someone else who doesnt know how to operate my boat. If I feel unsafe, I just dont go out.
My grandfather fished the north atlantic his whole life and never put one on, ever.
I should wear it, because I wold hate to be "that guy" who spent all his free time on the water, and drowned because he didnt wear a PFD
S.