My personal preference is to go one of three ways.
1. If you can afford Lifeline, go for them. Remember they are not USCG approved so you must have backups on board.
2. Buy whatever 100mph vest you like the best in your price range and buy the legstraps from Mustang, (or make your own with 100mph straps and buckles), and you are almost as good as Lifelines.
3. Stearns Trophy series, (and probably some others), are USCG approved, come in about three colors, have neck flotation and leg straps, and are only about $60 from most stores, or around $35 on EBAY most of the time.
The key for me is to make sure you have at least three 1 1/2" straps and leg straps of some kind. The upright collar is nice in case you're knocked out.