Loch Awe, by a country mile - and this coming from a strong swimmer. The loch has a long history of people drowning, particularly where boats are concerned (though boating / hire is still very popular on the loch).
Up there a few years ago on a fishing holiday, with family - hired a decent boat on a flat-calm day - plenty of sunshine and mid-loch was the only respite from the midges.......
Where we were staying was on one of the narrowest parts of the loch - not too many years ago, I'd have happily set off to swim across - around 5 or 6 hundred metres, give or take.
There was a small island opposite with a ruin (for the kids and mum to explore) and a deep channel between the island and mainland, about 70 metres across and known to hold good pike and perch.
A couple of hours later I became aware a breeze was picking up - nothing at all that was alarming, and we were planning to leave anyway so set off back across. Wind picked up quickly, and fifteen minutes later, mid-lake, we were being pushed downwind on a diagonal, quite strongly, but otherwise OK - plan was to go with it, reach bankside then go slowly upwing along the shallow shoreline.
Open water, very deep all around - no hazards, marker buoys flags etc - and we suddenly ground to a very solid 'stop'. Looking over the side, there is a huge gravel / sand bank, coming up out of no-where to within a foot or so of the surface - I've had to kill / lift the outboard and the wind is driving us deeper and deeper into the sand bank.
Two young lads in the boat, with mum - and no chance of me 'poling' the boat off using the oars, no matter how hard we tried - and the wind is getting up. I've no option at this time other than to go over the side and push - with a clear instruction that if the boat gets free, to leave me and go - a straight line downwind to the bank - I'm in a decent life-jacket so reasonably confident that I'll easily stay afloat and wash / swim down behind them.
Sounds like a plan of sorts until I go over and realise the sandbank has the consistency of bloody quicksand, and I'm up to my hips in it already - and less than 5 metres to my right, upwind, the water drops off vertically into darkness.
We got lucky - I'm a big lump of a bloke, and getting my considerable weight overboard increased the buoyancy substantially - the boat was being pushed by the wind (and me), and eventaully slipped off the sandbank, towing me behind it and too exhausted to climb back in.
5 minutes later, the wind has pushed us downwind, and my feet are starting to hit bottom. Onto the bank, and all thoughts of going back up the bankside against the wind are forgotten - boat is out, and we are legging it back to the boatyard - we'd drifted straight past the cove, unseen.
We did nothing 'wrong' per se - it transpires that the sandbank was a new feature, previously unknown - our 'discovery'-, if you will - the result of sediment being dumped there and accumulating offshore during recent floods / heavy rain from the mouth of what was no more than a large stream. Marker buoys were in place within hours, but I've never doubted how lucky we were - I've always been confident around water, but also always had a healthy respect for it - but it's amazing how your outlook and confidence change so drastically when family are involved too, rather than just risking your own daft neck.