Honestly, I would rather have a flag up when anybody is in the water. The last thing I want to do is run somebody over that I don't see because they're floating 50' away from their boat with no flag up. Just my opinion.
I hear you...just wondering what the law reads....I was told it was illegal to have the flag up if you had a swimmer (non-skier,boarder,tuber) in the water just floating..