Back in the early 90's I was kneeboarding in an inlet at the NC coast...wiped out hard, as I'm getting my bearings, realize my brand new Fossil watch(about $75-80 in '93) was gone...took me about 5 seconds to realize that it was gone forever. Spent the rest of the day asking myself why I thought it would be a good idea in any way to wear a watch doing something like that in a large body of water lol, lesson learned on the relatively cheap.
If I had lost a 150k worth, I'd have ended it all then.