I'm sure you are going to learn that many do not have a raft, but many don't have all kinds of proper safety gear. If you chase the averages, you're destine to be average.
We have a space blanket in our raft to use for warmth, if necessary. There are supplies packed right inside the compressed raft, in addition to the ditchbag. However, being inside a covered raft should extend your survivability long beyond the time it takes for a coastal rescue. If you are on a real offshore passage, you do need to consider staying warm for days. Insulated, double wall floors, etc.
I wasnt asking to prove a point. One of the things I am looking at is whether I should get a liferaft. We do travel in water on our trips of 50 degrees and you were right about the survuval times in that water. I know very few have life rafts. Do people have any special immersion suits etc?