I prefer the regular Type II or III jacket. I know they are not as comfortable as the inflatables, especially for us girls, but the reason I prefer them is strictly peace of mind. With minimal care, there is no doubt they will work properly when it counts.
As for the boarding ladder, you can get a universal mount two step folding ladder for less than $75 at practically any marine supply store. I've helped my Dad install a hundred of them and they are an easy doityourself project. Excluding your PFD and fire extinguisher, it's the best money you can spend.
RollTide and Go Big Blue



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Merry Christmas everyone and Happy New Year!