My two cents: I understand most accidents seem to have a dinghy involved, perhaps as simple as one of the crew falling in the water when attempting to enter or exit the dinghy, or something more serious. Be ready to assist others, or accept help yourself. As was said, it can get a little wet, depending on the conditions in the anchorage, and don't forget you likely have sand on your feet/sandals when returning to your boat. Keep your captain happy by having a bucket of water on the scoop for washing your feet and shoes before entering the cockpit/salon.