Old saying you are always racing, even if you are not.
Few years back I came in the Palm Beach Inlet one day after a great solo sail in a stout East wind as I came around the corner of the inlet, which is somewhat, protected from the wind and let my guard down for a minute. A yacht was just getting into it past the no wake zone and was throwing a 4-foot curl. The curl hit me and the wind flipped 180 degrees at the same time. I was not was not paying attention to the accumulative events and I was flipped in the drink right by the private docks. The Cost Guard happened to be coming by in a cutter shortly afterwards and tried to save me. I was swimming to keep my boat off of the dock and rocks - incoming tide. I wanted the boat saved and had them cast off when they started to throw the grappling hook at me. They were going to snag my boat pull it close enough to save me, then turn my boat loose. You can order the coast guard to not save you, and in most cases that would be stupid, but they only save people not boats and I was OK.
A friend in the Costies came by in a rubber skiff and dragged me across the inlet to the Peanut Island sandbar on my side so I could sort things out. At the time Peanut Island was a Coast Guard Base developed in 1938 and made famous as the fallout shelter for President John Kennedy during the Cuban missile crisis and now it is a park. The yacht that swamped me kept on going. I hoped they were heavily invested with Bernie Maydoff.