I will wear one most of the time but not always. If the temps are high and I'm paddling flat water I leave it on deck.
I'm the same way with a bike helmet. If temps are high and I'm riding in a low traffic area the helmet stays home.
I know this will send the PC crowd into a frenzy but you have to judge the risks and plan accordingly.
Full Size Sail Rig
First Need Purifier
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