Romeo Tango I think your risk taking is applaudable as you have assessed the risk, appreciate and respect it and take the appropriate measures to try to ensure survival if the odds do unfortunately turn against you.
I think the OP is pointing out the consequences of over water flight that a lot of pilots do not take into account and, if they did have some appropriate training, might not take out-of-gliding-range-from-land flight so lightly especially low level. In the dim and distant past I have flown at low level over the Irish Sea (on both sides) but I was always within 500yds of the beach as I have done the North Sea induction course for offshore workers and know that escape from an inverted aircraft in cold water is so disoritenting and downright scary that I don't want my hobby flying to put me in that position again.