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The extra steps to get the belt type in place on your body may cost you a lot.
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I never ever take the belt-pfd off. It is my cold water, security belt! it's worn like a belt in case I flip the kayak, or small sailboat. Staying afloat for 15-minutes in cool 55-65-degree water without a pfd can be challenging.
It is named a 'swimmer's belt' and is designed for swimming.
As a belt, it is much smaller than a vest, and doesn't get in the way of paddling so much.
Price: 24.95 at Parafunalia in Gilford.