I wear an inflatable PFD every time my boat moves. I have experimented with both a harness and a PFD and feel the harness is more dangerous in terms of just prolonging my death if I go overboard. My reasoning is as follows: Most people who use a harness connect it to jacklines running fore and aft on the P/S sides of the boat. They connect to the bow cleat and to the stern cleats. That means the jackline runs along the toe rail. Since a tether should be short, i.e., less than 6 feet, if you go go overboard you'll be dragged in the water at the waterline. I think you'd have to be a Circque d'Soleil athlete to get yourself back aboard if you had no crew to help. Try it sometime in calm, warm water if you doubt this view. What would make sense on a small boat like my H28.5 would be to install secure pad eyes on the centerline of the cockpit, cabin top and foredeck so you would have one main jackline going down the center of the boat to which you would connect a haress to. This would keep you on board if you were headed for the drink. I've also had problems with a tether getting wrapped around my feet on the foredeck and creating more of a hazard than they should. So, I use an inflatable thinking that if I go in while under sail, the boat will head up and I can float long enough to get to the stern of my boat and pull down my swim ladder (which is rigged with a looped line that reaches the waterline just for this purpose). Clearly, the best idea is do everything you can to stay aboard in the first place. Whatever works, works.