OK we're gonna have fun NOW!
I wanna see you fall out of a Pond Prowler and show me how to knock yourself unconscious while doing it. You'd have to like jump up, do a half flip, and slam your temple into a hard corner of the boat or the head of the trolling motor.
No I get it, we have to really use our imagination and create the alignment of certain objects and perfect the timing of it all.... The boat is exactly 4' from a partially submerged boulder (a soggy stump isn't hard enough), you stand up to pee, drop your Johnson on the floor of the boat and get a jig hook stuck in it, you leap with pain and the hook in your Johnson hangs on the lip of the seat tilting you 72° as you exit the boat, your head slams into the boulder...... and then we get to divy up all your fishing gear regardless of whether you have a PFD on or not.
All the PFD does is make life easier on the recovery crew. So there you are, floating dead with your crank out, and a Ned rig stuck in it. Hell I'd rather sink !