Gomer
That's where we differ. It is mandatory for EASA check rides for Multi Crew certification. With no formal structure there will be no supporting documentation. That's when you find out that in the accident report that whilst one TRE would take the opportunity to test the copilot during the captain's LPC another would not. It turned out that when the captain collapsed at the controls the copilot had never had to fly an ILS, land, taxi and shutdown from the left hand seat and had a real struggle to achieve it. During the high stress situation and in a bit of a panic the copilot inadvertently pickled off the AP's instead of putting the FD to S/By (happens all the time in the sim) became disoriented lost control and that was that.
Fanciful? A 'black swan' event. Maybe but as Arnold Palmer once said after downing a 50 foot putt when a commentator remarked "that was real lucky". "Yes," he replied,"and the more I practice the luckier I get."
G.
PS. I once lost a dear friend who collapsed whilst training in IMC in a Sea King. Fortunately his safety pilot was able to return the aircraft safely but unfortunately Mike never regained consciousness and died the following day. He was 25 years old. A very sad day. So you can see, for me such things are not so fanciful.