Just went and looked at the photo. I don't know if it was bad reporting, but I bet this picture was taken earlier in her trip and released by the Health Department just to have something to give to the press. In the accident picture, Loretta Fuddy is looking in the direction of the camera and she is not wearing a life vest. Maybe she just hasn't been given one yet. It would be interesting to see the whole video.
I wish the guy who took the video would release all of it.
I didn't know there was a 74 year old woman on board. Makes it less likely that Fuddy was too old to survive, if a 74 year old woman survived. The man who swam to shore was in his 70s too.
I just read the post that said she had on the clothes you described in the plane video before the accident, so I guess I was wrong thinking that maybe it was an old picture.