My father, my two brothers and I once had four boats between us. Harbors, open ocean and lakes.
While we were not always perfect, kids would wear life jackets.
I remember once sailing in the harbor with my brother, and the winds came up in a storm without warning. We flew from one end to the other of the harbor, barely tied off om my mooring. Soaking wet. We later sat in a coffee show just grinning and laughing, at the thrill of it.