Guess it all depends which lake/ocean you happen to be in and the critters that live in the general area. But if ya can't swim its a moot point...lol.
Interesting tidbit:
Being the largest of the Great Lakes, the waves on Lake Superior can build higher than on any of the other Great Lakes. The wave heights forecasted and recorded are the significant wave height, which is defined as the average height of the one-third highest waves--generally what an experienced observer would most frequently report. Significant wave heights of around 26 feet are about as high as waves can build on Lake Superior no matter how strong the wind is or how long it blows. This maximum significant wave height is constrained by the fetch or distance that the wind can blow across the waters of Lake Superior. Because of changing wind speeds, wind directions, wind duration and fetch, the actual state of the lake is comprised of a spectrum of wave heights. While the significant wave height is generally what is observed and recorded, it is very important to note that the rare peak waves can be as much as twice the significant wave height.