Let’s talk about your fear

Above: Still in their foul weather gear a year after their ordeal, Peg and Tom celebrate their official engagement at the Winslow Homer Studio in Prouts Neck, Maine. Peg’s grandfather, Mort Pratt, took the picture.

Fear is part of the boating experience — It’s how you handle it that counts. We asked readers to recount their experiences with fear on the water. These are their stories.