The Umpqua, especially the North Fork, is a man's River - challenging to drift, nasty to wade, and I sure won't swim it. 
Inflatable jackets are easy to wear, not bulky or movement-limiting, dependable if worn, and will set you back about a hundred bucks.
I wear mine when on that River,  and most other Waters. Good condition PFDs save lives, especially kids' lives.
You can safely bet six bits on what Nevada man would like a second chance at. I feel sorry for him.
You won't look like a sissy, honest.
My river-rat wife got in that Water when her raft capsized, she got trapped under the craft, and had a few tight moments.
Even prepared, life is risky in that Water. No human being is stronger.