My wife and I always wear the PFD. I have only worn the lanyard when running hard, although I plan on wearing it always this year.
I have been boating all my life, I'm a pretty good swimmer, but it's hard to swim when you are unconcious!
We started wearing the PFDs religiosly a couple of years back when my then three year old asked why she had to and we didn't!
I have become very accustom to it now and it has become an automatic thing to do before we shove off.
I have everyone on board wear them because accidents happen very suddenly!