I wouldn't go anywhere without either Boat/Us Towing or Sea Tow. The cost for the protection is minimal compared to what it may cost for a grounding or loss of engine. It happened to me less than 1 nm from the marina. Lost the trany and the current pushed us into shallow water. Boat/US came and by the time it was all finished and at the marina dock it was over $650; and that was 4 years ago. I am with Sea Tow now with unlimited towing and they can cover me when I am in the BVI.
s/y NIRVANA, SO49