Two thoughts....
The biggest risk we see to safety for kids on the lake is when they swim off the boat in rough water. If something happened they would be lost in an instant. We always had our kids swim off the boat wearing a life vest. They actually had fun diving off the boat and bouncing up. I am no wimp but get an awful bad feeling when I see a boat stop in the broads and 5 kids jump off. You would think the kids are in much more danger under the boat than on the boat.
As Winni is a northern lake that is pretty cold for half the time we use it, you should consider educating you kids about hypothermia. The time of year changes a water event dramatically. One's ability to get out of the water changes a lot between 70 and 40 degrees.
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