The entire point is rescue options,
in many parts of the world, including some shockingly close to the USA, you are pretty much on your own. So the rescue game resets once you raft up. Which is pretty much what the Mexican skipper was talking about.
"So the rescue game resets once you raft up"....
Options. I agree options are always good.. but i would change the sentence to, "so the
self rescue game resets once you raft up".... in the raft you still have options and get another chance or two to survive until all the options run out.
once you are in the water you are out of options and there is not much chance of getting out of the situation by yourself.
and to the OP,
if traveling offshore, acquiring good offshore life vests with an integrated harness should be one of the first choices made of all the options there may be to choose from... if you are spending a lot of time out there, a good life vest should not be considered "optional"...
as to the need for a life raft, the previous comments listed here is about the same as will be found elsewhere, of which there is a LOT written about the subject in opinions and actual accounts.
its really not very likely that you would ever have a use for the life raft, but if an actual need arises and you dont have it, then what do you do?... this question as posted here may seem a bit rhetorical, but it really isnt.... and it isnt for any one of us to answer for you.
there are many ways to minimize the risk of sinking the mothership, even after holing it... and no matter if you have a life raft or not, these options need to be explored and every effort put forth to save the boat before trying your luck in a life raft.
as long as you have properly prepared for open ocean cruising and you are a quick thinker you have a lot of options as long as you are still on the boat, and you have a good chance of saving the boat even though it may be sinking at the moment.
once you leave the boat for the life raft, you have few options left, but a couple more than if you were in the water.
and life rafts dont come with a guarantee that they will save your life... neither do life jackets, or the boat itself.. the environment doesnt allow for that.