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Personal choice I guess. Life is not without risks. One could say if living without risk is a goal, dont go sailing offshore. At what point have you minimised the risk adequately? Do you ever drive the freeway in a small car instead of an SUV? If so, you have probably already risked your life more than going without the raft. What are the odds that you will have a boat fire and be in the middle of a big storm at the same time? If you have a boat fire that you cant stop with extinguishers, what are the odds that it will actually be a propane explosion giving you little time to use the life raft? Would you be better to put some money into auto fire extinguishers? I guess no one can make those decisions but you. If by going offshore you mean crossing the Pacific, I would proably have one. Carribean and coastal Mexico and Central America? Maybe not.
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