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hey unlucky. i'm also a beginner. so i can't answer most of your questions. but the one i can answer is your last. "is a vhf necessary?" Honestly, I hope not. But, in my opinion, better to have and not need than to need and not have. Is your life worth a $100 for a radio that you might need the 1 time out? I'm still in the market for a radio, but i'm not going out on open water until I have one.
And bonus, from what it sounds like, it may be worth getting one just to listen to the chatter that goes on between everyone here. The entertainment from that may be worth the $$$
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