Jim Fisher wrote:

Not being a smartass, I really wanna know what your reasoning is.

Seems to me that he regards any risk of going down in that water without
PFDs as being unacceptable. He's PIC, he's completely responsible for
deciding what's an acceptable risk.

Me, I accept the fact that, if I go down in Lake Michigan, I'm going to
die. That's a risk I have taken. I will not criticise someone else for being
unwilling to do so.

George Patterson
The optimist feels that we live in the best of all possible worlds. The
pessimist is afraid that he's correct.
James Branch Cavel