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The CBA factor dictates that I cant be bothered reading ALL this post..
Your life - your choice!! 
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but...
IF you dont have a raft, you are relying on others or drowning.. your choice...
Which says that you believe a LR to be a necessity - ie, if you don't have a raft you WILL drown if others don't save you first ... it isn't as simple as that - first off, you need to be in a situation where deployment of LR is required and indeed possible - which statistically speaking you are more likely to win the lottery this weekend using 1 set of numbers ... (good luck - if you do, can you buy me a LR?  )
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but, to rely on others is selfish..
Even if you do end up in a LR you are dependant on others to collect you from said LR .... so you are also being selfish ....
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buy a bloody raft.. or stay in the marina.
If I could justify the marina spend then I'd probably have purchased a raft ... I can't so I haven't .... so as I'm not in a marina I can go sailing without a LR now?
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Re: "Liferaft" is it needed for coastal cruising in UK