My opinion is life jacket under the other stuff. Maybe the CG has more accurate guidance though. Here is why I'd put the PFD under the raingear:

1. you can layer your raingear as the conditions change without having to doff the PFD
2. you can ditch the raingear if you end up taking a swim
3. the PFD should be a snug fit, which will be clammy and uncomfortable if you have a PVC or even goretex raincoat under it

Reading about those poor souls gave me the creeps. 20' boats vs. 10' waves. Aiyeeee!!!!

Regards.

Mike
Woodinville
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Regards.

Finegrain
Woodinville