Throw in High winds-Wave's-Spay,Tide-Stress...like trying to rescue/save Loved one's/children, keeping together,along with low light- miles from shore possible injuries-Panic and Hypothermia ...suddenly those Quality Dry suits along the PLB's, Hand-helds- Personal Flares-(Piro or Laser) Strobes ect seem very Cheap!!
Definitely food foe thought.
Best Saftey??? IMO...Choose you crew and Fellow Boaters well
..Two boats + gives you a good Head Start if the the Shit hits.