...there are plenty of high speed ones out there that are stylish and wear like a regular jacket.
I don't agree. There are none I've found that are stylish (though that's not one of my top requirements) comfortable, and effective, including the ability to turn an unconscious wearer face up so he doesn't drown despite the PFD.
As far as I'm concerned, my current SOSpenders type is the best there is so far. But despite the fact you can get used to wearing it constantly, it's more along the lines of being able to put up with a certain minimum level of discomfort as opposed to being truly comfortable.
One of my problems is I'm 6', 215lbs, with a torso in the 98th percentile (i.e., long body short legs) and although it's theoretically OK for someone my size, the largest SOSpenders seems designed more for someone considerably shorter and, shall we say, carrying fewer pounds.
BoatUS is currently sponsoring a PFD design competition with a $5K prize, and I believe I recall reading a number of engineering schools are taking up the challenge. The competition ends 15 December, and we'll see what comes of it. I hope it doesn't turn out whatever they come up with is most suitable for powerboaters, whose requirements are considerably different.
...and it's warmer too. Average sailing day has air temp below 70 F, less wind chill.
A warmer PFD is not so helpful where I usually sail; since sweat is pretty corrosive besides being uncomfortable, I believe a warmer PFD would be counterproductive. I need one which most of the time allows as much air circulation as possible. That's one reason why the SOSpenders is currently at the top of my list. I'll get my warmth when I need it from additional clothing, and the stuff I get is big enough to be donned (and subsequently removed) over the PFD.
BTW, I figured as long as I'm going to be wearing one anyway, I got the SOSPenders with the built in harness, and for heavier weather I have the quick release tether to match. Don't have the jacklines to hook it to yet, though. Also, don't remind me what a problem that will be with the PFD/harness under the jacket; I haven't figured that one out yet.