She’s more likely to throw me overboard.Though, why are you wearing a PFD and she isn't?
-or-
Nothing to see under mine.
-or- (and this is the serious answer)
I always wear mine. I’m normally the only one onboard who knows how to operate the boat. I figure it’ll give me a little extra time if I do go over. Or at least make it easier for DNR to find my body. And she won’t wear hers. And she thinks I’m rude if I ask others to wear one.