Karl, I'd hate to be caught out that far offshore -- like you say, nowhere to go. It's darned nice to just be running coastally and have your pick of inlets spaced close together when it's time to throw in the towel.
Case in point was yesterday, for me. Though it's only 35 mi south, my family had never been to SoBe (Miami Beach). Gone by it several times en route to the Keys, but just never made the time to stop in. My two teen girls plus one of their friends decided they needed to shop

, so this was the weekend. Just for the sake of taking in scenery, we only ran the outside south to Port Everglades (Ft. Laud) and then did the ICW down to Miami Beach Marina. Going home, though, we had less time and really wanted to do the outside run. Normally, that's just an hour and a half out in the ocean for our boat. The wind really kicked up and the forecast was spot on -- it was supposed to turn ugly in the afternoon. It did. BUT, the winds were SW, so at least partially blowing offshore. I knew it wouldn't be much in the way of seas near shore. Even still, you would not believe the looks I got from a few dock neighbors at the marina when I mentioned I was at least going to TRY running outside. If figured it was no big deal, as Gov't Cut (the main Miami inlet) was right next to the marina. If it was too nasty, a quick u-turn and it's the ICW all the way home. It was no problem at all.
What an angry dark-looking ocean, but it was actually fun running in that quartering sea. It was beautiful. I wouldn't have wanted to be 20 mi. offshore in it, but where I was it was just great. The comfort, though, is knowing that I'd have my pick of Gov't Cut, Haulover, Pt. Everglades and (home) Hillsborough Inlets over such a short run home. Always nice to have options.