What is the primary purpose of wearing a personal flotation device (PFD) while boating?

Wearing a personal flotation device (PFD) is crucial for ensuring the safety of individuals while boating, particularly in case of an emergency. PFDs are designed to help keep a person afloat, which can be life-saving if someone falls overboard, capsizes, or experiences an accident on the water. They provide buoyancy and minimize the risk of drowning, allowing individuals to conserve energy while waiting for rescue or swimming to safety.

The other options, while related to various aspects of boating, do not address the primary role of PFDs. For example, keeping the vessel stable is typically managed through proper weight distribution and handling techniques rather than relying on personal floatation devices. Reducing water resistance may be a factor in boat design or operation, but is not relevant to the function of a PFD. Insulation from cold water can be achieved through specialized gear, but the main purpose of a PFD is to ensure safety by providing flotation, which directly addresses emergencies when someone is in the water.