Been there.... luckily (in hind sight) my last boat had a finicky Neutral Safety Switch.
So far this year I have:
1) wrapped my dock line around the prop (luckily only while at idle), with no damage to either.
2) ran my stern drive into some rocks, fortunately not even nicking my brand new hi-five
3) managed to get my anchor out inverted twice in a row (so it wouldn't "dig in"). It was a bit windy too.
If my season gets no worse than that, I should be VERY happy.
I may go out on the Mo River Sun, then will be at LOTO for a week after that!

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Walt B
"Debt-Charged"Black '07 H210SS6.2L Bravo One turning a 21P HIFive
Wakeboard Tower with Perfect Pass Stargazer version
Missouri River; Kansas City, Mo.