No, three camps....Number three is, don't have a liferaft, because I just can't afford one.
Why is it that people on these forums totally disregard the guys who are in their thousands out there, that are sailing on a shoestring, and really just cannot afford all the fancy gadgets / toys that most of you seem to take for granted?
Regarding LRs, a lot of small boats just don't have room for one, I am talking sub 18 footers here, in any case you really don't expect a chap with a boat that is worth say just 1500 to blow 500+ of his hard earned on a LR??