Paracab,
there is risk involved in everything you do, but there is a higher risk factor I would be prepared to take when I'm just responsible for my own life, rather than when I'm responsible for others. Eg, I drive faster when my son isn't in his car seat, than when he is. Not logical I suppose, but I doubt I'm the only one.
Back to the thread - while I'm reasonably confident I could survive a ditching with the right equipment, the procedure would actually be a lot harder (and therefore more dangerous) with my non-flying missus and two year old. At the moment, too risky for me to even contemplate.