Rolled a 4m open tinny on the Noosa Bar 15 yrs ago. It was 4hrs old. We were just careless. Tide too low, missed the channel, wave up the bum, leg hit the sand, over she went. Managed to save everything but a towel(including the car keys).
Righted it on the sand bank, bailed it out, got towed to shore. Removed the spark plugs from the 25 Merc and pulled the starter for a while. Put the plugs in and off we went as if nothing had happened.
I'm more careful these days. although I have been out many times when i probably should have turned around and gone home.