From a rafters perspective, claws can't cut tomatoes, avocados, onions, or poke rafts very well.
In all seriousness, I have a rescue knife and a cheap no name all-purpose folding vegetable knife in my pocket.
If you flat-pin/wrap a boat on the unfortunate guest or kayaker, it is nice to have a knife that will stab through boat material. Completely hypothetical, but something to be prepared for.
I have the Benchmade H2O for rescue situations only. The sheath has a thumb lock and is nuclear bomb proof when compared to anything NRS or CRKT. I also stay far away from mounting on lash tabs because I have seen far too many knives go MIA on the water.
A hair tie(anything breakable for emergencies) leashing it to the sheath, a PFD strap through the sheath with zip-tie backups. Where I can get to it but still out of the way.