I've been duck hunting for almost 60 years, the last 30 mainly on the Mississippi. I very rarely actually wore a PFD, usually satisfied to have it within reach or hanging on one arm.
About 12 years ago, I decided to hunt alone on a rising river and less than 10* temps. At the ramp, I just decided to put on my life vest. Although I had adjusted the vest to fit over my winter apparel-months before, cold, inflexible material and human stiffness took it's toll. After much struggling, for several minutes, I finally got the vest on. It was not an easy task, ending my false belief that if I should need it, I could slip it on with little effort. I suspect that I'd have been in the grip of hypothermia before even getting the vest on, let alone trying to make it to safety. Just something to think about.
I say it every year when I post the Armistice Day story, there ain't a duck or goose in the world worth risking your life for.