[QUOTE=Jeannette, formerly ponygyrl;6706305]
I can second Lily’s flotation comment. Sitting on my 14.1 steed watching the creek submerge the saddle flaps of others on their 16+ hand horses I knew my future was not dry. When he stepped off the underwater ledge and momentarily sank to his ears I learned the secret benefit of eventing vests… We’re both strong swimmers and got to the other side moments later, in time for an excellent view. The really good news is, like wool and fleece, those vests insulate well when wet.
My good luck that I had taken a fairly bruising fall the week before, and chosen to wear a voluntary extra layer! 
The attire at that hunt is quite not according to Wadsworth and the MFHA, though, so this is really just a side story which always makes me smile, not advice!![/QUOTE]
Yikes!!! Perhaps the vest people should start putting this feature in their literature. 