...It's important to realize your own capabilities and know when you're approaching the cutting edge of disintigration. Most of the Pungo style hulls are inherintly stable and, with a conservative application of novice skill, not easily dumped when exposed to sheltered waters (bays, channels, etc). Waders...no worries!
...Open water presents more advanced challenges and I would hesitate crashing through surf trying to get out or riding waves back in while encumbered by anything other than a wet suit. Ride the waves in a boat designed to track straight and you WILL end up broadside to the wave back to the beach...great fun but very wet and you will take on alot of gas.
...Gotta' know your "limitations" and try to paddle with a buddy.