Only shear panic situation was a commercial freighter that got awfully close and most likely never saw us. Thoughts of getting sucked in and chewed up in a giant propeller ran through my head. It was close enough that the vibration of the engines was pulsing through my chest. I'd say we probably passed within 100 feet or so of this giant cargo ship.
Good reason to always surface with a decent residual PSI in your tank ... You never know when you'll need to duck under to save yourself from freighters or partying yahoo's out on the water.