Intended function
Another perspective which deserves consideration is that of intended function. For certified aircraft, the basis of certification includes many specific requirements and maneuvering capabilities. If alternative landing gear is available for the type, it will have been similarly approved - with intended function demonstrated (as not requiring unusual pilot skill and attention), and defined.
Generally, the procedures and techniques to achieve these results will be described in the manual for the aircraft. These will be associated with listed "approved maneuvers". Interestingly, one light, single engined turbine aircraft I flew, whose flight manual described 30 degree flap STOL takeoffs, 60 flap STOL landings, and other not so common advanced maneuvering, also included (boldly on the front page): "Maneuvers not described in this flight manual are prohibited" - just to leave zero doubt as to intended function for that type.
And, it goes into more detail than the whole plane, parts will also have demonstrated their compliance with specific requirements - like tires. Would any tire manufacture include water skiing in their statement of intended function for their tires?
Then, there's the intended function of insurance - to cover loss resulting from an accident. Insurance is very rarely intended to cover a loss resulting from a deliberate action. If you were operating the aircraft within its intended function, and with your due diligence, something went wrong, it was likely an accident. If deliberately operated outside the intended function for the aircraft, it could be difficult to characterize and unintended event as an accident.