I don't plan to be in the water at all
You may not PLAN to be in the water, that doesn't mean you won't BE in the water.
Throwing a castnet last summer, I slipped and found myself in the water with no life jacket on and an 8 lb castnet attached to my wrist.
Everything worked out though, swam to the back of the boat, pulled down the ladder, just to find that, in my wet clothes, I couldn't reach the bottom rung of the ladder!
Pulled the lower unit over, stepped on it, got on the ladder and got on the boat.
80° water, 80° air temperature, no problem. Make that 45° water and 45° air temps, big difference.
Next day, bought a 5 rung ladder for the boat and a Mustang flotation jacket!
Plan for the worst, hope for the best.
Seems we lose one or two old guys every winter because they somehow wind up in the water, can't get back in the boat and succomb to hypothermia or drown.
DONT BE THAT NEXT OLD GUY!!