I have inflatables for both myself and my daughter. They are much more compfortable, especially on hot days, so actually get worn (mine that is, daughter was ALWAYS made to wear hers even with the hot full jacket). I bought hers first to help out on the hot days, and then decided it was stupid not to have and wear one myself. It's nice knowing that in an emergency I could just jump over to help her (lanyards will kill the engine).
For running fast/rough (relative in my boat LOL) I also have a 100 mph impact rated jacket I wear instead.
I think the combination of compfortable cruising vest and high performance jacket gives the best mix of options.