The problem with DSC is that you need your radio on to use it... which means you have to listen to 16 chatter all day long. The only radio on on my boat is the XM radio. VHF on only during a race or to call for the launch.
You are mistaken to beleive that turning off the radio relieves you of the responsibility to monitor. First, it's dumb to not monitor! It could save your life, or enable you to save someone else's life; it could aid you in avoiding hazards to navigation, and hazardous local weather events; and, it will advise you as to restricted areas, and so on. But more to the point, you are required, by law, to monitor the radio if the vessel is equipped with a radio, when it's not in use for communication.
From FCC 47 CFR §§ 80.148, 80.310:
"
§ 80.310 Watch required by voluntary
vessels.
Voluntary vessels not equipped with
DSC must maintain a watch on 2182
kHz and on 156.800 MHz (Channel 16)
whenever the vessel is underway and
the radio is not being used to communicate.
Noncommercial vessels, such as
recreational boats, may alternatively
maintain a watch on 156.450 MHz
(Channel 9) in lieu of VHF Channel 16
for call and reply purposes. Voluntary
vessels equipped with VHF-DSC equipment
must maintain a watch on 2182
kHz and on either 156.525 MHz (Channel
70) or VHF Channel 16 aurally whenever
the vessel is underway and the
radio is not being used to communicate.
Voluntary vessels equipped
with MF-HF DSC equipment must have
the radio turned on and set to an appropriate
DSC distress calling channel
or one of the radiotelephone distress
channels whenever the vessel is underway
and the radio is not being used to
communicate. Voluntary vessels
equipped with Inmarsat A, B, C, M or
Fleet F77 systems must have the unit
turned on and set to receive calls
whenever the vessel is underway and
the radio is not being used to communicate."