I single hand now and then, and while I haven't fallen over yet, I've come close a few times when on the bow and caught off balance in a pitch. I was normally comfortable with just a tether, knowing I would always be attached to the boat. But, the story of the sailor being dragged to his death along with a personal experience where I had to reboard after a swim without a
ladder, made it clear that while I never plan on falling overboard, I should have a plan if I do.
What I've done for the last couple of seasons, is if I have to go forward I kick the boarding
ladder down and with my tether (which I attach to my lifejacket that had a built in
harness) I also carry 40 feet of 'soft'
line coiled and attached to my belt. My theory is that if I fall over, be it high or low, I can then take the 40 feet of
line that has
shackles on both ends, attach one end to my jacket as I hang in the water while attaching the other end to either the toerail or something else (my thought being, even on the high side, I'll be able to pull myself up enough to clip it to something; in the worst case, I'd attach it to my tether). Once the
line is attached on both ends, I'd blow my thethers connection to me and play out my new 'tether' in such a fashion as to reach the boarding
ladder.
While this may not be the most sensible solution, I think it gives me a lot of control of the situation. What I would never want to do is unattach myself from the boat and hope to catch a dragging
line though I could envision, in really bad weather of towing a grab
line along with the later being down.