I always carry a VHF. I have used it to call for help for myself and my wife once and have used it to call for help for other boaters 2 times, those boaters had cell phones and could not get a hold of people who could help them. One call from my radio and help was on its way.
Better safe than not. A phone is good to carry as well but if you need immediate assistance on the water channel 16 will get you help whether from a rescue personnel or a boat that is close by.
I also like the radio to communicate with others I am on the water with.
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