If conditions are such that I would have no trepidation whatsoever to jump in the water and swim, I might take off my PFD. I have even (horrors!) gone swimming in lakes and the ocean without a PFD. And it is possible to slip getting into a bathtub, strike your head, and drown, and I don't wear a PFD while taking a bath either.
URCHIN Portable Anchor
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