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You only need enough PFD's for people on board, but it's not a bad idea to carry the max in case you load up and forget to check.
Here is the official PFD wording:
* All boats must carry one Type I, II, III or V U. S. Coast Guard-approved PFD for each person onboard or being towed. If a Type V PFD is used, it must be approved for the activity at hand. * All PFDs must be in good and serviceable condition and be readily accessible. The PFDs must be of the proper size for the intended wearer. Sizing for PFDs is based on body weight and chest size. * In addition to the above requirements, boats 16 ft. in length or longer must have one Type IV U. S. Coast Guard-approved PFD onboard and readily accessible. * Children under 8 years of age must wear a properly secured U. S. Coast Guard-approved PFD at all times while onboard any boat, except when in an enclosed cabin. * Each person onboard a PWC must wear a properly secured U. S. Coast Guard-approved PFD. * Each person being towed behind a boat or PWC must wear a properly secured U. S. Coast Guard-approved PFD. * Each person onboard a boat within 800 feet below a hydro-electric dam and/or navigational lock and dam must wear a Type I, II, III or V U. S. Coast Guard-approved PFD.
URL: Boating Rules
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