Agreed but carrying a phone won't stop any of that. Only the response time to help will improve if it all goes pear shaped.
I used to race dingies to high level and in a big wind this was very scary, but there were safety boats about. But it didn't detract from the potential danger of risk.
I'm sorry to hear about any accident but my wife has just asked what would your family think if there hadn't been a phone nearby after your incident. It's not just our lives it effects.