I've signed I don't know how many of these things. Perhaps uncharacteristically, I read every one of them from start to finish. I'm not a lawyer, but I do work with contracts in my job from time to time. Rarely do I find anything I deem both enforceable and unreasonable, but there is certainly a lot of chaff in some of them.
But here's the thing. My wife and kids (now adults) understand and agree about the basics if something bad happens to me. Hurt or kill me driving the boat through your action or inaction, and it's your fault. From the time I leave the boat until the time I am back aboard, it's my fault. DCS is *always* my fault. There's a grey area in there for being hurt and on the surface, I suppose, but if I'm watching what I'm doing that should not occur either inbound or outbound unless you run me over or start the prop moving while I'm near it, so most of those fall on my side of the line. Something like hitting a container at night (as I know happened to one boat) is a no-fault. I agreed to go when I knew the boat would be operating at night. Do-do occurs.
Those are pretty clear boundaries to me, and I know my family won't go to court on my side of those boundaries. On your side of the line, it won't matter what I signed if I'm dead. It will depend entirely on how they feel about what happened and, if they think they should go after you, what the lawyer thinks.
That said, I have *never* sailed with a captain I found irresponsible, and if I ever do it will be the only time I sail with that captain.
Just my 2 PSIG.