The only tale I can relate to you is the one about submerging my groin in the pool. I have found I am a complete scaredy cat when it comes to swimming in the ocean.
There are too damn many critters that can cause serious damage to my submerged groin if it is in the ocean. There are enough jelly fish laying on the beach to convince me that I don’t really need to submerge my groin in their territory.
Plus fisher-people (what is the non-sexist version of fisherman?) have been regaling each other with stories of giant stingrays that have been sighted, even hooked and landed.
On the other hand, submerging my groin in the pool means sharing with the ankle biters.
They would make great shark chum.