The rough-ness of the water is the primary factor in determining how comfortable I'm
going to be. Next is my experience with the spot that I'm fishing. You don't want to walk out to a point that you saw on a map ...at 1am. You have to know your surroundings..that will also greatly affect my level. Fishing with a friend can give you false confidence but It's definately worth having someone with you in those extreme situations. I don't worry much on the beach... you can only go in as far as you're allowed to drop your rod...I don't worry about a deep-pitched beach because If it's that steep, I don't have to enter...(a bar is a different story in itself though......hello Mr. FOG

...and Mr. Tide....and Mr. Current

)