I know and have paddled with pikabike, and in some interesting conditions. Suggesting that she is somehow paralyzed from making decisions because she might leave the PFD off to laze near shore in quiet water on a hot day is about as far from reality as you could go.
I am guessing you are either an engineer or an academic. Both seem prone to hyperbole when they try to summarize grand thoughts online.
PFD's (Life Jackets)
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