Worst "likely" case
Ending up in the water is the real issue. Whether a child "crawls/toddles" off the pontoon or the boat takes on water you need an adult to prevent the wandering over the side and to be able to support the child in the water on a collision/sinking. PFD for the kid & the supporting adult(s) all the time because you are no good for the child if you are drowning. Also not mentioned is water temp. Hypothermia could be a problem in minutes for a baby even in the middle of summer.
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