I don't disagree with your statement at all, but in all the cases I know of, "done for the day" was the attitude of the single engine boater who had to shut the engine down.
While my sampling is indeed very small, in the 14 years we've been doing this kind of boating I cannot recall a single instance of a single-engine boater we know or know of--- power or sail--- who experienced a problem like a pump failure, raw water blockage, etc. that resulted in the engine having to be shut down who did not opt for a tow to the nearest place where repairs could be made.
So while you are certainly correct in what you say, I am very much inclined to believe that the average recreational boater, when the engine quits or has to be shut down, is on the radio for a tow if they don't have a second engine on board. My belief is certainly reinforced by what we hear on Seattle, Victoria, and Vancouver radio.
Now an experienced Vessel Assist guy like yourself may be able to get them going again when he arrives. But I think the typical boater is like the typical driver--- when everything is working they're fine. But when it stops working, particularly in the case of engines, I suspect the vast majority of them are looking for help, be it a mechanic or a rope home.
This, in fact, may be a big reason why so many boats are twin engine. The majority of boat buyers/owners are probably not interested in becoming backyard mechanics able to jury rig a fix in the event of a propulsion problem. They simply want to shut the bad engine down if it hasn't shut itself down and carry on.
While it not the over-riding reason I prefer multi-engine boats, I admit that if we experience an engine shutdown, I don't want to screw with it. I'll tie off the shaft since we have to and our boat is set up so that it's very easy.
But beyond that, I have no interest at all in figuring out the problem on the spot, coming up with a workaround if there is one, and then effecting the solution. Not in a cramped engine room with the boat bouncing all over hell as it's likely to be, Murphy's law being what it is.
When I let one of our engines get a big gulp of air during a fuel transfer a few years ago and quit I knew exactly what I had done and I knew exactly how to get the engine going again. I've bled our engines plenty of times after filter changes.
But I simply didn't want to do it. The water was rough-ish, we had several friends on board who needed to be home by such-and-such a time, and I simply didn't want to grub around in the engine room bleeding the filters and injection pump. So it was a three minute job to tie off the shaft and home we went.
And from what I hear in talking to boaters we know, that seems to be the prevalent attitude. This forum represents but an infinitesimally tiny fraction of the boaters out there. Most of them, I suspect, don't care why or how their engines run as long as they do. When they don't, they get someone else to deal with it, first by towing the boat home if it only has one engine and second by hiring Acme Marine Diesel, Inc to fix it.