Agree with the comments and brand recommendations above, and I wear a Mustang HIT with harness. To sum this up from my experience:
- The PFD in the locker when you fall overboard is worthless - buy something that you will actually wear
- The crotch / leg strap is worth any inconvenience in clipping it on. Those inflatables want to float, and when you fall in, they come off over your head like Mom pulling a t-shirt off a toddler. In a pinch or to try it out, you can jury rig this with a sail tie to the forward and aft straps.
- The hydrostatic inflators (HIT) that only inflate when submerged (as opposed to the Alka-Seltzer inflator) is three times the cost to buy and replace ... and will more than pay for itself. I have had PFD's inflate in lockers on the boat, in spray on deck, at home in the garage, anywhere with humidity. At $25 an inflation, it adds up fast.
- I race and sail at night, so need a harness, but it does add a pound to the vest, and I never used it - hopefully never will. You cannot hoist someone with that harness, and if you drag someone by the harness at 5 kts., they may drown.
- Treat the edge of your boat like a 500 ft. cliff. If you fall in, you have a remarkably small chance of getting back on your boat. Weather, darkness, and on-deck crew size are risk factors that drop that percentage way under 50% - think about that next time you do a night watch alone.
- In chatting with people who have actually fallen overboard, I have never heard one of them say "I wish I had saved that $100 and bought the cheaper vest".