I've never given the ladder thing a whole lot of thought. I've seen some marinas that have them, but most don't. I've always kinda figured that if I end up in the water near my own boat, I'd be heading for the swim platform. Dragging myself up onto the platform would be a challenge if there's nobody around to drop the ladder (pretty sure I can't quite reach the latches to drop it while in the water), but it's do-able.
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