If your aircraft's performance does indeed always allow you to glide clear, than by all means go ahead and do it, but keep in mind that if this is not the case it will be just as easy for the prosecution to prove otherwise.
And then there is plenty of room for interpretation as to what a congested area and an area suitable for landing might be, your interpretation might not always match that of the presiding judge, in which case you might find yourself out of options.
Assuming that most SEPs have fixed undercarriage, have you ever practised ditching one?
I believe the general consensus is that in a small plane there is a roughly 50% chance of surviving a ditching unscathed(short term, long term depends a lot on circumstances such as Thames vs. North Sea etc.), which for me means that it can never be the primary option in case of forced landing.
Ciao,
Dg800