re: wear your kill switch...update in OP

Shite happens very fast on the water!! My friends were in Panama City attending CRNA school. A buddy of theirs took them & some other friends out in The Gulf in a 21ft center console. They hit a wave wrong & ALL were ejected, no kill switch. My friend surfaces, sees the boat coming right at her, & dives as fast as she can to avoid it. Her husband & others did the same. Some got hit badly & pretty messed up. The boat circled again & the cycle of diving & coming to surface to breathe started. I'm not sure how long that went on, but could you imagine? One guy was a pretty good athlete, lost his leg. My friends were not injured.
On a side note, I was run over by my own boat while wakeboarding (rookie driver, my fault, he said he'd driven a boat before). He was the only other guy with us so I picked him to drive. I just shouldve driven & not board. I was 25 & dumb. Some lessons you have to learn the hard way. Wheel was turned all the way left when he hit throttle. Boat pulled me up but started to sink when boat started turning left. All he had to do was throttle down, but he tried to steer out of it. As he was heading towards me I'm trying to swim away but with jacket on & feet stuck in board, I was sitting duck. As he was coming towards me he started to turn a bit & I pushed off the hull. Soon thereafter my leg got clipped by prop. After boat went by I reached for my leg & could feel the hot blood coming out. The people in my boat were all 18-22, freaking out, no help at all. A young couple in a passing boat stopped & pulled me out by jacket (I'm 220#). Man I got really lightheaded & bled all over that nice couples bowrider. Anyway, cut through my fibula, nicked common perineal nerve I believe ( footdrop as a result, really sucks, another lesson do your dang physical therapy).
So boys n girls, shite happens really quickly on the water!!