One of the least useful expenditures that I have ever made has been my handheld VHF radio. I've been sailing on a lake in Alabama for three years. The lake has two sailing-only marinas, LOTS of fishermen, quite a bit of barge traffic, in addition to other motor boaters, pontoon boats, and trawlers passing through.... have a handheld VHF with you!
Not one time have I ever heard any communication on the VHF. I asked other sailors and all the fishermen that I know why that is and they all told me that they don't use radios - they use cell phones. Even the sailing marina does not monitor VHF. They do tell their members to call the marina's phone if help is needed. They rarely answer their phone, so I guess the next recourse is 911.