Hi BreezyB,
Actually not such a hypothetical question.
I used to sail regularly, and it is quite common for this to happen.
Sadly it is also quite normal for the rudder to be hard over left or right at the time every thing stops working,
so you can stand and watch for hours as your yacht sails round and round.
The only sure way is a rescue boat, so perhaps a small plastic beach style inflatable is the best answer. Even if it's not allowed, in an emergency, I'm sure it would be OK. (if not who cares) argue once you get your boat back. Obviously always wear a buoyancy aid or life jacket.
Bob