I've got the same issue and hadn't really thought about it until doing a safety workshop last Fall. My swim ladder is on the stern and has a pin retaining it up, which I am going to remove for the coming season, and I'll leave the ladder's retrieving line hanging almost to the waterline. That way if single-handing, I have a possible chance to reboard the boat. (I only daysail close to home singlehanded.)And was that rule in place in 1983?
The main thing is, as everyone points out, don't fall off the boat. Even if you fall off while tethered, if you are moving at 5+ knots there's a good chance you will be drowned as you drag alongside. So offshore or in heavy weather, safety lines need to be tight down the center of the boat, with your tether short enough to keep you from falling over the lifelines as much of the time as possible.