Jack When would you ever take your family into any conditions where a boat like yours would be in danger of being overwhelmed? And when would you ever get anywhere near a big ship that might hit you? And how many cases are there of a Beneteau like yours suffering a structural failure that caused it to sink? If the answer to these questions is No then you don't need a liferaft.

And if you think that a raft is going to be effective in saving your family in the millions to one chance that one of these things does happen to you, read the reports and go on a survival course including going into a raft with your family. Then ask them if they would like to do it for real or would they prefer to rely on your skill and knowledge in avoiding such situations.

Bet they would choose the last option and THAT is where your responsibility lies.