I commiserate. However, you’re likely to raise the ire of a few “hair up their butt” purists here. They think that the “boating accident” quip is juvenile and “hurts their butts”.....
I’m used to it. I have had my share of criticism for things that were “worse.”
Regardless of whose butt gets hurt, human history would indicate that in a totalitarian society, responses along the lines of "I lost them in a boating accident" are the kind of things that are said shortly before confinement, torture and/or an execution.