Frank,
always always lean into it dig the paddle in to, you can put your feet
out if you feel like it is sketchy, that will stabalize you a bit more, and always exit the yak sea side, never beach side...sorry about the yard sale,
no one ever expects to have one but like everyone has said, be prepared to have one and it won't be so costly...
the hat, damn that was your lucky hat...a staple, but look at it this way, now you can start over, I think a pink feather in the new hat would be cool....lol