[/quote]Are those supposed to be reassuring words? [/quote]
Maybe not reassuring, but just a fact. Look, as others have said, if you don't go out in the rough stuff, you'll never know how much you can handle and when its too rough. No purpose is served by telling stories designed to scare the beejeesus out of someone. You just tell them straight up.
Its all about being prepared. Heck, I can go hit the LA freeways and get in a accident today. Not a reason to stay home all of the time. You just go out prepared. But if something does happen, then you just sit and wait for the police officer - bob until someone gets you.
Would you rather I tell her that if the boat goes over we both die? Now that's reassuring.