........... The main difference is that if we have to shut one down we keep going as opposed to coming home on the end of someone's very expensive rope.
I assume youre trying to say being towed by a commercial tow company?
I know it's not available everywhere, but I have a TowBoatUS membership for about $150 per year that allows me to be towed (and some other services) for no additional charge. In my mind, that's not at all expensive. SeaTow is another similar option for about the same cost.
Having two engines is no guarantee that you will not need to be towed someday. Fuel problems, electrical problems, and hitting an underwater obstruction can dissable both engines or drive trains.