I wear disposable soft lens contacts, which I only use for diving (the prescription is not optimal for everyday use). I buy a three month supply of 90 lenses for each eye for about $90-100. If I do lose one in the water (and I never have yet), I have another half dozen for each eye in my dive bag, and replacing the pair costs about $1. Wearing these also allows me to wear cheap sunglasses, instead of risking a pair of expensive prescription sunglasses on a boat or beach.
The left eye correction is better for near vision, reading gauges, and the right eye correction is better for distance. That's why I don't use them at work or around the house, although my vision is really pretty good for most purposes. It took very little time to get used to this setup.
When I first got them, I got over the concern about losing them in the water by using about a half dozen pair in a swimming pool for a week, practising flooding my mask with eyes open and closed, swimming with my mask off and eyes barely open, etc. I didn't lose a single lens. Obviously, if you are going to deliberately remove or flood your mask, you want to close your eyes (or mostly close your eyes) just to be sure the water doesn't wash out one of your lenses, but I think the risk of losing a lens is pretty small even if your mask gets knocked out of place and flooded when you aren't expecting it.