Yep, the rotor system is the most critical, BUT, the rotors are pretty simple and very reliable. Then its the transmission, while fairly reliable still has enough things that can go wrong that it is a worry, that fails, you die in a helicopter. The smart pilots monitor those trans gauges, any indication something is wrong, it time to land, the trans starts making noise you start head down and look for a place to land on the way down.
Marines have to do a lot flying over water (Amphibious Force) and that was the big fear, 50 miles from land and trans starts to malfunction?
For the non Rotor Heads, guess how you get out of a helicopter if you have to crash land in the water? Jump out and swim away, as the sinking helicopters turning rotors come down on your head? Nope, you have to stay strapped in as the helicopter sinks, once the entire helicopter sinks underwater, the resistance of the water will stop the rotors, you can then unstrap and climb out of the sinking helicopter underwater and then swim to the surface. Imagine doing that at night?
Navy and Marine Helicopter Crews have little emergency scuba bottles in their survival vests for this scenario. You get stuck in the helicopter and can't get out right away, it sinks too deep, etc, you can pull out the bottle and have 5 min more air.
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