The mast came down on the top of us while racing on Pittwater few years back in about 18 knots wind.

It was easy, no danger to man or beast

but in higher winds,

It would have been more sordid.
Certainly there was no danger of putting a hole into the hull. It did not want to take off or sink us or anything like that, but in a gale, l would not be so cock sure it would not try doing some destruction.
So, it would have to be secured or cut away, which l would not like to do. The boat on the foto could be easily jury rigged unlike the lavranos.
As far as dinghy towing, it is a strict nono to me. Even for a day sail. I always cringe when l see one. Inflatables, double so. With a motor on it, triple so. Period.
I got one, when l don't use the kayak, l always deflate it for storage. Period. It is not a deck cargo as far as l see it. Not on a 28 footer anyway.
As the use of an inflatable as a life raft, l don't think so. It sounds like desperation.
If l was going ocean Xing l would suffer the cost of a proper solas life raft.