Glad that you plan on getting your ham ticket! They are ramping up to do online tests so that may be an option for you. The test will be easy with your experience, just get the pool of questions and study them, other study materials, etc., highly recommended. Don’t pay for training material, free variants are out there. Ham ticket is free but you may pay a small fee for testing to support the club putting on the test (in the old way of doing things anyway).
As far as tossing a ham radio to an unlicensed user? There is provision for this as long as the radio/operator remains under your control. For me handing a radio to a spotter would be fine, another rig on the road not so sure - maybe for listening and emergency TX only. I think
@J.W. re-taught me this recently.
Ham for emergency use... How remote do you go? My crew goes as remote as we can and ham radios are useless as there are no reapeaters or other users within reach. Maybe on a lucky day, or maybe you bounce something off a satellite (ham radio stuff) but I would not count on that in an emergency. If you go remote please consider a satcom type device. I am more than willing to yammer on this subject, just ask.
As I read your response I like your idea of cheap FRS radio to hand to a friend. I wonder if the GMRS license has any provisions for allowing friends/family to borrow a GMRS radio? I think GMRS license covers family. I prefer an installed mobile in my rig, I hang the mic over my leg and it is easy to reach for and use without putting eyes on it. An HT in your rig is going to be less convenient, they are larger in the hand and have an antenna poking out of them. Add external power or external antenna and it gets worse (Wires).
the reality is that the FCC is not going to come looking for you. If you are smart about what you do and polite to others you will not have a problem. Keep the power as low as possible, avoid channels with other users, don’t swear or transmit music. Not advocating breaking the law but am a fan of common sense...
Before you buy your next ham radio go check out
APRS, it’s a way to transmit your location with ham radio and best case your position is put on the internet and family/friends back home can see where you are. Again, not an emergency tool, but very cool nonetheless. If this seems like something you would want to play with that would affect your radio choice. I’ll stop my blather, but if you are interested in APRS let me know.
Have a great day!