Seen it happen more than once....even know of a tug operator that might have drown doing that.
I carry a container.
I'm 72 and have used all manner of small craft for 60 of those years without incidents. Even canoes
in white water, and never got dunked....until this late fall. I lost my balance, tried to grab the gunnel
but mistook an oar for it, and when it swung out, I went with it. The odds caught up with me, but likely
my old age has as well so I expect I'll get wet a few more times before all is said and done. I now
make sure everything is tied down and water proofed....just in case, lol!