Yeah...but you guys live on major waterways where there is commercial traffic in addition to a relatively high ratio of skilled recreational traffic. Sunny is talking about sailing on a mid-sized lake with (maybe) a couple other smallish sailboats that probably aren't carrying radios and a few bass fisherman who don't know what a VHF is. It certainly wouldn't hurt to carry a VHF radio in case the club is monitoring but, in this case, I would probably put the cell phone slightly above the VHF radio in importance.