What is the primary purpose of having a PFD on a boat?

The primary purpose of having a personal flotation device (PFD) on a boat is to ensure the safety of passengers. A PFD is designed to provide buoyancy in the water, which significantly increases a person's chances of survival in the event of a fall overboard or a capsizing incident. The PFD helps keep the wearer's head above water, preventing drowning and giving them time to either signal for help or swim to safety.

While the other options mention aspects related to stability, swimming assistance, and legal compliance, these are secondary benefits or considerations. The critical function of a PFD is to act as a life-saving device, making passenger safety the foremost priority. Ensuring that everyone onboard wears or has access to a properly fitted PFD is a vital aspect of boating safety practices.