I live in CT. I recently bought an inflatable raft and want desperately to take it out anywhere. I have been worried about the river though, where there are power boats specifically. Do I have to follow the same regulations as them? Do inflatables even have regulations? We are also planning for an island in the ocean, yes row out there. So is there anything I should know to do or avoid. Also do I need vests or is it just for minors?