I don't carry a liferaft either, but I sometimes wonder. Scenarios where one would be useful/lifesaving would be; boat on fire, or capsized in wild and exposed places where rescue could take several hours and exposure could be a problem.
Fire bothers me, but how many instances have there been of outboard powered RIBs bursting into flames while under way? Most of my time aboard is spent at anchor and I have a small (6ft) tender deployed to get ashore should I set the RIB alight (I have a camping stove aboard).
While fairly isolated I'm rarely, if ever, far offshore and lifeboats can get to me in around an hour should I capsize.
Oh! I use a medium sized fender as a seat in the tender, so if the dinghy bursts, I can hang onto that. Now...
if I tie one of those cork key fobs onto the fender, I'll still be safe if the fender sinks.