PSA: don’t go out in a rowboat unless you’re on a disposable character. Don’t get caught out in deep water in your Snekkja. You will die.
All useful boats (so, Snekkjas) are easy to bash because Jorbtar haven’t died from having one bashed out from under them yet.
Also, in general, if you live in an area patrolled by, let’s just say, Dahmer types, watch your ass. If you casually boat around on the river, you will die, and nobody will ever do anything about it because it’s piss easy for your killer to ramp stealth up into the hundreds and *never* get tracked.