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I personally like my Stearns Powerboat, but any float coat would be right up there with it- USCG certified, warm, waterproof... I bring it whenever I'm out, easy enough to just put it on and forget about it.
I'm much more likely to wear a PFD if it's multipurpose (IE keeps me warm), so I definitely recommend the floatcoat for early and late season boating.
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