Yes, sometimes you have too anchor upwind of hard things and even if you don't the wind can shift and then you are. I've anchored in Cam Bay a few times. First time we scoped it out with perfect conditions, dove on the anchor and knew the weather outlook. Once in Cam Bay, with a perfect tradewind from the east, I favored the reef side a little bit. We awoke the next morning with the stern about 15' from the reef (wind from the west). That's when I really learned about being back winded and in a place I really didn't expect it to happen.

One thing I like about sailing is it gives you a lifetime of learning - no matter your experience you will keep learning things you didn't know if you continue. Lately I've been watching the "Anchor Test Compilation" (SV Panope) on Youtube. One thing I've learned is that many of the popular anchors are not good at resetting if the wind/tide shifts 180 degrees abruptly. Even some of the new "third generation" anchors have difficulty resetting.