FWIW – I always use a harness and lifeline when I’m too far from shore to swim or be seen. At least when I’m singlehanded.
I never had a problem with tangles, never capsized and dont plan to! I have never actually fallen out out of my Wayfarer (but nearly have several times – calls of nature a particular risky business!).
I have been separated from a capsized boat and it is scary.
Steve