From launching the boat to trailering the boat, I have a jacket on. Beached at the sandbar, I usually take it off. But I'm a none swimmer (while I can probably swim enough to save my life, that is one bet I don't want to come up short on).

I can understand on big boats the risk of falling or being sent overboard is minimal at slow speeds, but if something happens and the boat starts taking on water, do you want to stop and put your jacket on first or get busy fixing the problem if its fixable?