I have worked hundreds of accidents on the water, I have never ever recovered a body in a life jacket. I know of two who died of hypothermia while in the water wearing vests.
The number one cause of accidents is lack of knowledge/experience especially in Florida where any one with credit can buy the largest and most overpowered on the lot.
The 2021 USCG stats I last had a copy of I believe put alcohol at the fourth leading cause. The majority of accidents we deal with are rental boats and share boats companies.
I have worked countless strikes into markers, other boats and docks due to texting or being preoccupied with other things going on in the boat, the latest two serious ones were due to captains running too fast while following a track on the plotter in the back country, and not paying attention to whats coming around a blind corner in the mangroves.
Wearing a kill switch became a law in July of 22 in waters that have USCG jurisdiction on vessels made after I believe 2016. Its still in the education mode for the most part, meaning we write a warning for it.
I am surprised every time I see someone wearing one. One of the first accidents I ever responded to was three members of a family of four were killed when a bolt broke on the steering control arm, boat did circles and hit one person each pass. I have worn one every time I turn on the ignition since then