When you fish from a large boat 20ft plus the rails are taller, the platform is more stable and your ability to move around in a bigger area makes mishaps less likely.I haven't put on a life jacket on the 28ft but once and that was because we were busting 7ft waves at 25 mph. On the other hand you wear a life jacket before I even start the bass boat because it lacks the 3 features the big boat has. The conditions that you fish in are what dictate when you wear your life jacket if the conditions make you uncomfortable then wear it. Sometimes the law takes that decision out of your hands but if it doesn't and you chose not to wear one it does not point to a lack of common sense. I can't count the number of times we have stood on the back platform to land 50 lb plus fish without a mishap. Heck most of the time we have a hard enough time getting the mate to not jump in the water to cool off after a good fish. Don't get me wrong I think life jackets are a big plus and if you can't swim on my boat you are wearing one 24/7 but if you are a rational adult it is still your decision to wear one or not.
Art