I made it too fun: what I said was at best an over-genarlization. The actual rules [1] apply to acrobatics and say that parachutes are required for everyone when non-crew passenger is on the plane:

    Unless each occupant of the aircraft is wearing an approved parachute, no pilot of a civil aircraft carrying any person (other than a crewmember) may execute any intentional [acrobatic] maneuver...

So without the passenger no one needs a parachute, with them everyone does.

It's perfectly legal for a 787 to carry a few parachutes just for the full-volume passengers.

[1]: https://faraim.org/faa/far/cfr/title-14/part-91/section-91.3...

Nah, with how ticketing is these days they'll bug you a dozen times to choose between the $50 basic economy disaster package that only has the mask and 50% airflow or the full package for $100 that includes another 25% airflow and a flotation device. Business execute gets you the parachute, a private life raft, and a few days of MREs for $250.