In my boat I have an inflatable for each person. They don’t count if you’re not wearing it, is my understanding. If someone refuses to wear it they stand on the dock. I put mine on before I get in the boat and typically take it off after I pull the boat out. I worry more about me falling out and my wife having to try to rescue me or help me rescue myself and she would be laughing so hard it could take hours to get out of the water......