I haven't taken a trip over the side and don't want to. I have both inflatable and regular life jacket on board, I should wear one more often. I like to sit in the boat, Have a 1860 mod V. The front deck sits about 8 inches below the side rails. It's not much but is enough that I'm comfortable sitting on the seat up there. Used to fish out of one of those 10 foot plastic poontoon style boats that you sat on top of the deck with my dad. I was never comfortable in that boat. Always felt like I was going over the side if I sneezed at the wrong time.
Pennsylvania passed a law a few years ago for lifejacket in the cold months
Follow the law: "a person shall wear a Coast Guard approved personal flotation device (PFD or life jacket) during the cold weather months (November 1st through April 30th) while underway or at anchor on boats less than 16 feet in length or any canoe or kayak."