I carry a pack of mini flares plus a selection of parachutes and smokes.
I carry a backup handheld GPS.
I carry a backup handheld VHF.
I do think there should be laws that make sure that people at sea are prepared and able to handle their boats and that the boats the selves are seaworthy.
I think radar reflectors are way over the top. - I make a habit of knowing whats going on around me and don't feel the need to show up on a ships screen that is never going to have to avoid me. The only time I ever feel I would need a radar reflector is if I had complete electrical and engine failure in a shipping lane in Fog or at Night. The day/night that that happens I will think back to this thread and think to myself "I wish I had listened to Des". But for now completely rearranging my A-frames electronics or welding extra bits on to it etc etc is way too much hassle when I feel the benefit of the end result is minimal - and yes I do care how my RIB looks - like most other people do - other wise why would you get offered colour choice etc when buying the things in the first place. In fact even the echomax people manufacture it in 3 colours, why, that serves no function. If a radar reflector was small easy to fit and sensibly priced and wouldn't get in the way of everything else on my boat - I would fit one.
As for thinking I'm cautious
you should see me drive my RIB
The way I do things and the decisions and opinions I have are not always considered conventional - but they feel right to me - and I can always give reasons for my decisions as they are thought out and well considered and never because that's just what someone else thinks.