Hey,
In all honesty, when I out for a day sail, I leave my radio off. Otherwise I just get annoyed with the radio checks, sea tow calls, coast guard broadcasts from great south bay (I am in the Long Island sound, on the OTHER side of Long Island from great south bay), and other nonsense.
If I'm going somewhere I will monitor 16. On race night I have the VHF set to appropriate channel.
What really annoys me is when I arrive at a marina, hail them on the channel THEY publish, and no one answers me. Or, when they do, and I tell them I have a reservation and I'm looking for a slip assignment, seem to have no idea what do. It's not that hard. Just tell me what slip, what side to prepare lines and fenders (bow in or stern in), and anything else important, like the dock is the one next to the fuel dock, etc.
Barry