Is there a benefit to have an additional radio aboard? Yes, always. Redundancy is good. Over redundancy (like having 4 or 5 radios) is a little overkill. Why is it good? Mostly because even if you are 40 or 50 miles off shore in transit, there is always a watch on the HF 20 meter band.
Marine SSB is always better but Amateur seems to be more active. If you already have a Marine SSB such as an Icom M-802, I believe it can be modified to work the Ham bands and it will be legal. However, if you purchase say a Yeasu 857D and modify it for Marine use, then you will be violating the law. But, there is no law that says you cannot scream for help on a radio that is not authorized for that band/frequency.
I have a small 27 foot boat. I built a 20 meter dipole for my Kenwood TS-50 I carry on board. I have used it a few times on the Maritime Mobil Service Network @ 14300 KHz. Not for anything specific, just to check in while afloat. It is also fun just to chatter at time when one is bored. LOL
One thing about the MMSN, if you are afloat and check in, you can rest assure that there will be many beam antennas pointed in your direction, and, many ears listening. That in itself is enough to know that one is being watched over.
In short, I would say go for it. Yes, Marine gear is pricy and installation require a little more than what one would do at home, but it is worth having that extra umph of safety aboard.