That's the sad reality. A little more safety doesn't take too much time, and your loved ones will love you more if you keep yourself alive.
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Bought my wife an inflatable. She was not happy about it until she had worn it for a day. So much more comfortable. Now we both have inflatables and never want to go back. Also, we wear them all the time on the water. We have never fallen in but best to be safe than sorry.
Stumphunter posted a funny video involving inflatable PFDs a while back. A kayaking friend of his had gotten out in shallow water and was bending over in the water to do something. He dipped the vest in the water and it deployed like a rocket taking off. Scared the crap out of him, but it was hilarious to see his reaction.