I have only met three pilots who have ditched.
The first one ended up in the water on finals to Gan Island in a Handley Page Hastings (large 4-engine taildragger). He had full flap and the gear down at the time. All on board survived.
The second one ended up in the water on finals to Khormaksar in Aden in an HS Argosy (4-turboprop with nose gear). Once again, he went in the water with flaps and the gear down. All on board survived.
The third one went into the water in an Auster. The gear was down and welded and he survived.
Pick the bones out of that.