Thanks for the advice guys. I tend to agree with kemp even though I haven't tried an impact vest. I recon my waist harness riding up probably contributed to the fractured ribs. The harness was already tight around my lower ribs and when I hit the water it felt even tighter and then I felt a pop and a load of pain.
Anyway I've been looking at a dakine impact vest that I'll probably buy in the next week. At least it will hopefully stop the harness riding up and give me added comfort against the cold.