If I'm fishing alone I always wear my auto-inflate Mustang but if I have a partner I sometimes don't wear it.
A few years back myself & Wayne (Irishfield) were casting the West Arm of Nip and were visited by the local OPP boat. He asked for all the usual stuff but said he couldn't see any PFD's and I told him they were in the locker just below my feet. He said they weren't easily accessible sitting in a locker and suggested if we weren't gonna wear them, he'd rather see them hanging over the back of the seat.
Made sense to me and now-a-days that's where they are all the time even if I'm wearing the auto-inflate.
Decent guy doing his job and who knows, maybe that suggestion may even save someones life someday....maybe even mine.