Sound thoughts Ken,
I keep at least a minimum kit on my person when in the field.
In the winter the easiest way for me to get seperated from my main kit/gear pack is to have my snowmobile go through thin ice. If you end-up on shore you have only the gear on you, and you are soaking wet, not a good situation. If time allows I am going to practice this situation in the next week or so as I need some new photos for an upcoming presentation.
Mike