For me, another thing that worries me a lot is when a strong wind blows into my baby's face. It makes her so scared and panic.I wouldn't!
I have taken 2 year olds out on the water, but I really don't recommend it. Even if you have a life vest, that's not necessarily the biggest concern. What happens when the little one is sea sick and the entire time out turns into a miserable experience of a sick little one? This isn't pleasant for anyone involved and just seems unnecessary to even risk.
Good PFDs (Personal flotation devices) are designed so that you will float with your face up and out of the water even if you are unconscious (those are the ones with the neck supports). Not all of them are like this though so make sure to keep an eye out when you're next shopping for a life vest. A lot of people still opt for ones that do not keep your face out of the water because they are less bulky and more comfortable to wear. It is a trade off so you should consider the physical abilities of whoever is going to be wearing it.If one fell over board it would not have the knowledge of keeping it's mouth closed or even rolling over on to it's back. Unless discovered right away a baby would have a greater chance of drowning