My wife and I are new to sailing and want to be as safe as possible. To that end we are thinking about wearing a PFD all the time. However, they get hot! We have considered the inflatable type, and found them expensive, in the $200.00-$250.00 range. Thats okay as long as they deliver! Does anyone have any advise, inflatable PFD, or otherwise. I have heard stories of the inflatable type being prone to problems. Are these stories isolated to the first generation inflatables only, or do they continue.