Have a look at getting a flotation vest, they a fantastic and quiet a few people wear them. They a great for flotation(obviously), also provide some protection and they keep you warm. Once you get one of these you won't need to worry about where you sail, but it is always nice to sail in the shallows

Something like this, which I have and really like:
http://www.mysticboarding.com/products/men/impact/razor/grey/Have a talk to Damo(jay sails), that's where I got mine from.