Being relatively new to the sport (2nd season) my opinion will probably not offer any helpfull information to advanced boaters. It seems that the advanced boaters have a good working knowledge of the basic safety information, equipment and procedures. However, many new boaters do not (myself included).
I would like to share my experiences and thoughts in regards to safety equipment and whitewater. When I started out in the sport my only focus was to get my roll down. I thought "If I can roll, I will always be OK". As soon as I was confident with my roll I headed out and got on the river. Yes, I am better off because I knew how to roll but I also sustained a few minor injuries, a concusion and one significant neck injury which forced me to wade across the Poudre while trying to hold my own c-spine. I didn't swim but parked boat on an island forcing me to wade across the water. I risked a lot by doing so but I didn't think there was another way to get off the river. Fortunately I made it out without creating any further damage.
I am an accomplished climber a firefighter and a paramdedic but I had no real knowledge of safety equipment or rescue operations in whitewater. I did have a throw bag but never considered using for anything other than throwing it out to a swimmer. Heck it was only 5-6mm polyline. The extent of my river rescue knowledge came from Nealy's book. No practical knowledge and no body to around to teach me what I should have known.
YES I did continually see the recomendations to take a Swiftwater Rescue Course and this spring I did exactly that. It was a great course and I learned a lot. I feel quite confident with the knowledge I have received and I continue to practice the skills. However this knowledge has raised a serious question; If its me in need of rescue are my boating partners going to be able to help me?
So now each time I go boating with someone new I ask them the same question you just asked "What safety equipment do you carry with you?". More often that not, they have no equipment. I also hear "we are only on class III/III+ water, you dont need any of that equipment". Perhaps I am a bit too safety conscientuos but I think that answer is wrong. Injuries happen in all levels of whitewater. Perhaps the safety equipment used on class V water could make the difference whether you live or die but the same equipment can also make a difference on easier water. You may eliminate the need to walk several miles to a bridge to get on the correct side of the class III run. Or maybe prevent you from becoming a victim of a foot entrapment while crossing, once that happens you will definelty wish one of your party had a rope and some knowledge. The possible scenarios are endless.
Having the proper equipment and knowledge could certainly make your day on the river better. Even if you do not know what to do with a throw bag, you should still have one. Someone else may be there and need an extra length of rope or they may be able to tell you what to do with it. So go get a throw bag and have someone teach you how to use it, on both ends. I am not advocating attempting to use the equipment without the proper training. Get enrolled in a swiftwater class. Keep your bag with you.
No I am not a class V or even IV boater but I do carry rescue equipment. Being an intermediate boater I usually boat with beginners and intermediates. That being said, I have seen several people swim, try to stand up in the moving water, have no clue of what position to be in while swimming and generally just do not know what to do. One guy told me that he was thrown a throw bag and wound up letting go because it was pulling him under water. He got a few more scrapes and bruises on the ensueing swim. After talking to him a bit more it turned out he wrapped it around his arm and flipped over on his stomach so he could look back at his rescuer. Who knows? maybe I would have done the same thing before I was taught the correct way.
The biggest thing I want to get across to people is $50-$90 spent on a throw bag and some other equipment could make a huge difference. Dont wait untill you take a SWR class to get one. Learn some of the basics to keep you and your friends safe. For all of you advanced boaters, Dont assume the new boaters have a clue, teach us a thing or two, before its too late.
Perhaps there is a natural progression of knowledge and we will all get that knowledge in time. If so, I think the progression is too slow. I equate the rude awakening I received in my SWR class to that of my first Avalanche class. DAMN, I put myself in some pretty stupid positions and am pretty lucky that nothing happened.
Ignorance is not Bliss.
To answer the question of what I carry on my person. Knife, Whistle, Rescue PFD, 2 locking biners, and my throw rope sits between my legs. I am not yet confident enough to throw and tow from my boat but hopefully will get there someday. Also have afirst aid and pin kit in the boat.
To address your statement about the webbing harness not being long enough to fit around your waist. How long is it? I carry an 18' piece in my firefighting gear and when climbing; specifically for that purpose. You can wrap it around several times and hold it in place with one of your locking biners. If there is too much slack adjust it at the water knot.
Best piece of advice I received in regards to kayaking
*****You are safer in your boat than swimming****** (thanks Terry)
These are just my opinions and any feedback is welcome.