between hitting a reef and getting hit by a large vessel. I have a Catalina 42 and hit a reef at 7+ once. It tore up a lot of coral and put a cosmetic gash in the keel fairing...that's all. It was an error on my part, but the boat came through just fine. Put the most "robust" small vessel you can think of (and it wouldn't be a Gulfstar) in front of the cargo ship and it will not come out well.