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If you learned to swim at 8 you don't suddenly forget after 20 years. But wear your damn PFD anyway and it will make your life a lot easier. I never really put much importance on mine but I wore it on the water anyway. One day after a 7 hour row in heavy currents I got capsized and rolled in the surf on a tidal island. The PFD kept me from getting sucked under the flooded kayak with the outgoing water and pinned. You don't know 100% the circumstances you'll be in when you are suddenly dumped into the water. If you're rowing for a long time you might not have your normal level of stamina.