How should a PFD fit on the wearer?

A personal flotation device (PFD) should fit snugly but comfortably on the wearer to ensure safety while using a watercraft. A snug fit means that the PFD will remain securely in place and provide effective buoyancy in the event of an emergency, such as falling overboard. If the PFD is too loose, it can ride up and potentially come off, failing its primary purpose of keeping the wearer afloat. Comfort is also essential; if a PFD is too tight, it can restrict movement and make it uncomfortable for the wearer, which is also a safety concern. An ideal fitting PFD allows freedom of movement while ensuring the device remains properly positioned.

The other options present incorrect information about PFD usage and fit. A loose and dangling fit would not provide any safety benefits, and wearing a PFD only when the boat is moving poses a risk since accidents can occur at any time on the water. Additionally, the requirement for wearing PFDs applies to all individuals on a boat, not just children, emphasizing the need for proper safety measures for everyone involved in boating activities.