all good comments from everyone.
for safety myself on my 19' speedboat. i have flares. a portable air horn, boat horn, cell phone, gps, and fixed vhf w/8' antenna. i also have charts for when i'm on the missouri river.
i only boat on small inland lakes and on the missouri river. on the lakes. i quit listening to the vhf as there was never any traffic. not from anyone. not even the local water patrol that are on the lake ''sometimes''. my guess would be that if i hailed someone in an emergency via my vhf i'd get no reply.
my only real emergency that i've had was being blown up on the beach in high winds. the way i got help was via a cell phone.
i have also been boating on the missouri river many times in the past. there, i do hear traffic on my vhf. though it is sparse. i think i am hearing uscg traffic. and for sure the uscg is on the river. so at least there is someone listening on the river. though i don't have any idea as to how much help the vhf would be down in the hills of a river. my guess would be very limited range at best. it can be very sparse for boats on the river at times. that would mean, again, that the vhf may or may not be useful.
as to weather the op should get a vhf. i still think it's a good idea. even though my description of my circumstances wouldn't lead ya to think so. i think better safe that sorry. the more options ya have. the more likely it is you'll find the help ya need when ya need it most.
fwiw. i didn't go to the expense of an epirb. if i was boating on the great lakes or the ocean. i'd have that too.