Chip,my PWC is also a 3-up and registered as a boat.But you still MUST wear a pfd.I questioned this many years ago to an MP for the reason you are using.It really does make sense to wear it on a pwc.Even if you don't ride it like some of the other lunatics out there,one wrong hit on a rogue wave you might not see and you could easily knock yourself out and off the craft.
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SIKSUKR
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