That risk is there and only slightly less in a twin.
I have done HEC under a single numerous times and would happily do more of it.
Everyone in our company gets a company paid life insurance policy, I'm sure the other companies that do this work do also.
Yes, the system is archaic, but it's the system he have.
I agree on the sea state issue but if safety is litterally the only thing that matters as you indicated before none of that matters.