Honestly the drone probably wins in all those categories today and the drone doesn't have the problem of needing to navigate choppy water, has a bird's eye view, and can't accidentally slam into the swimmer on a bad wave.
And you can buy them off the shelf, hell you can buy a drone right now today that can physically lift the person out of the ocean.
The drone used in that situation is the "Little Ripper Lifesaver" which supposedly sells for around $50k[1].
From TFA, the cost for the boat was around $12k. That means this is about 4x more expensive, not 20x. That doesn't include the droppable inflatable boat but that is probably not going to break the bank either.