I came close.
When I was 16 I "stole" my brother's 25 foot Carver which was moored at the local marina. I took a buddy fishing at night and we were hauling ass back to marina when looked up to see I was heading straight towards the south end breakwater. I cranked the wheel hard left and missed it by 100 yards. That may not seem too close but the boat and us would have been nothing but splinters if I had noticed 7 seconds later.
One of those 9 lives things.