Danny, if you are only worried about true life emergencies there is no need to think of the license as a hurdle. As far as I can tell, you can legally buy a radio and listen all you want, just don't transmit without the license for fun. But if there is a life emergency, transmit away. Not only may it save your life so who would care about the FCC consequences in any case, but -better- there even is a provision in the law IIRC that allows the use of Ham without a license for true life emergencies. As it should.
Now of course in reality, it's not entirely trivial to call through a repeater let alone without any practice, especially in an emergency, so I'd get the license anyway and both have fun and practice. And of course, obviously, you don't need a true emergency for a Ham radio to be useful.
Yep, I'm only worried about real life emergencies, but I've always felt safe with my SPOT... Everyone on my notification list knows what my messages mean and know to keep track of me... I always turn on 'tracks' and my Son-in-Law, in Austin, TX, always monitors my tracks... Except when he's with me...
But, it appears to be much too easy to get a tech license ... I really can't justify not getting one...
Thanks for your insights!