“Two people [out of ten] on the boat survived—the only two who put on life jackets.” Always have a life jacket nearby. Put it on if it’s wavy. Especially if it’s stormy. Best case scenario is you get a little fun float. Worst case scenario is surviving a deathly boating accident. Better than the alternative.

How a Beautiful Summer Day on Lake Tahoe Suddenly Turned Deadly
An analysis of the turbulent weather that caught people off guard, flipping over boats and killing eight people.
nytimes.com