The Washington Boater Card program can be taken online. It has some mandatory videos that you must watch before you can proceed to the next question or chapter test. Although I didn't need the card (I'm aged out), I took the course anyway. I'm fairly certain I could have passed the final test without going through the classroom part of the course, but the interim videos were the most important and lasting information. It was people relating the little accidents, some alcohol related and some just silly, that ended up as fatalities. No PFD was about 95% of the incidents. It made the "inconvenience" of wearing a PFD disappear.
When I took the CG aux. test at Friday Harbor last year, the CG guy was a little surprised at the number of PFDs that I had on board. Later that year when at Lake Powell, I had my main one pop open (heat, humidity, age?). Nice to have a spare on board. Also nice to see how far (not far) I could swim with one on. Made me think a lot more about my kill switch.
Mark