I had a shocker the other week... sailing trigg point and getting a little too cocky.
Got too close to the reef and got hammered by successive waves and had nowhere to go other than straight onto the reef which was only about 1 foot deep. Can't duckdive the gear in that situation! You can only pray for as little damage as possible. Got hurled around over the reef for what seemed like an eternity, my gear snapped in multiple places, but I had to abandon it and save myself.
I've always heard about lots of people drowning on that reef and never really known how but I have a new respect for the place now. I was finding myself sucked into the holes in the reef and constantly dunked by waves, even though they were only small I was finding it hard to breathe.
Managed to make it to the shore but was feeling faint for quite a while