One more note concerning the life jacket thing -
A lot of people don't want to wear them because they don't think they are going to go for a swim. They're experienced, they're in a nice stable boat...well, here's incontestible proof that it really does happen to the best.
Parlez-vous Francais? Far more detail here.
She actually wasn't wearing a lifejacket, but she's also an athlete and waterwoman whose fitness, skill level, and ability to think clearly under the most dreadful circumstances possible are far, far beyond most of ours - and as she herself gratefully acknowledges at towards the end of the French article, she was also very, very lucky that night.
Hat tips to Zen for the English article and Tillerman for the French one. What a story.
Note, later: Confidential to the knucklehead who's trying to sell down jackets in my comments -- dude, that's not the kind of jacket I'm talking about, and Blogger's onto you, give it up already.