How do you know when a personal flotation device is properly fitted?

A properly fitted personal flotation device (PFD) is crucial for ensuring safety on the water. The correct choice states that the PFD should feel snug but allow for movement. This means that the device is secure enough to stay in place during an emergency, yet it should not be so tight that it restricts your movements or causes discomfort. A snug fit helps to prevent the PFD from riding up over your head or slipping off when you enter the water unexpectedly, which can be life-threatening.

The fit of the PFD is vital not only for comfort but also for safety. If the device is too loose, it could come off in the water, and if it is too tight, it could cause panic or discomfort which may lead to a situation where the user is not able to swim effectively or focus on safety measures. Therefore, the balance of being snug yet allowing for movement is key to a proper fit.

The other options emphasize aspects that could compromise the effectiveness of the flotation device, whether it's being overly loose, covering too much of the body without a focus on secure placement, or assuming it should fit over clothing without considering proper adjustments for safety.