Maybe it's just me, but it seems like a no brainer to have Sea Tow if you plan to travel any significant distance away from the dock. I agree that twins provide piece of mind for mechanical problems, but there are many other things that can go wrong out there. Whether it's an issue with E-10 fuel, electrical, hitting something (rock, ocean sunfish, lobster bouy, etc), or getting a piece of rope tangled in the props; there are several issues that can impact both engines. I once broke down on a friend's boat 55 miles offshore tuna fishing, and the Sea Tow bill would have been over $3k if he wasn't a member. That experience clinched it for me!