I suffered an engine failure in an Arrow over the Irish Sea 10 years ago, having like you, been a pretty fearless crosser of water in SEPs.
Also like you, luck was on my side, and I had enough height to glide to land on Irish terra firma, a frustratingly few miles from the airport
The fact that we have both experienced an engine failure has not changed the laws of probability relating to engine failures, and the fact that we have experienced one makes us no more or less likely to experience another one the next time we get into an aircraft.
Sometimes it takes an actual occurence to bring home what a 1 in 3500 flying hours chance actually means. People often focus on the probability and not on the impact.
I still get into SEPs (and MEPs) and fly across large expanses of water, but I tend not to pack my wife and children in with me...