On a recent lake vacation, the scenario went like this:
Swimsuit and sunscreen? Check!
Life jacket? Check!
Willing life jacket-wearing-passenger? NO
Therefore, according to Mom, this land lover sat on shore and cried for almost an HOUR before finally caving, putting on the life jacket and then having the time of her life with the rest of the family.
(Thanks for the story and photo, Kelli S.!)