ASER
With respect the RFM clearly says that if you are over water you arm the floats. Do what you will but be it upon your own head and hope you can afford a good lawyer if the unthinkable happens and you end up trying to explain how you were the only one to get out when you flew the aircraft into the water. Won't happen to me? Well there is a Bond 225 crew who thought the same until it happened to them.
G