You are right, certainly statisctically you are in far more danger driving on the road than sailing, with or without a life raft. What you should do is take the train or fly whnever possible, costs a lot more normally, but what price safety? But most people don't, including me, the car is convenient and often quicker over short distances. In fact it could be argued if you want to keep your family safe, don't drive but go sailing with or without said life raft.

Even so if I had my family on board I would probably let my illogical and emotional side win and have a life raft. Just in case of that one in a million or ten million chance happened and I was left wondering if only I got one.