You will never get over your fear. My dad and I have boated for decades, mostly in MD. He moved down to FL and could NOT get over his fear of gators and sold his boat within a year or so. I NEVER would have bet on that, no matter the odds.
I saw Jaws way too young. I‘ll tell you that I was VERY hesitant to dip into any murky waters for a few years afterward. I didn’t get over my fear until one day when we ran aground in a sail boat and I had to jump in and help push.
In the end I’m like my dad and would not be able to enjoy FL waters nearly as much as MD inlets, rivers and the Bay. I wouldn‘t STOP boating but I’l wouldn’t feel comfortable swimming like the OP and I was used to, either.
Yeah, that could be me too. Gators dont like salt water so not as concerned there, though they sometimes gets washed out of the brackish freshwater areas by storms.
Sharks, yup, so once I am in the inlets or firmly salt water bays, now ZEE09 tells me I have to be concerned about the 3rd most aggressive shark in the world, Bull Sharks *LOL* thanks Zee09!
I boated my whole life, I guess like you, the waters off Long Island, most always Great South Bay (as a kids my dad would take us out on the island in the LI sound but anyway South Shore Long Island mostly = Jones Inlet. in fact we used to go out Jones Inlet and to Fireland inlet to meet up with friends, instead of taking the state channel which is slower speeds. Anyway, the Long Island waters outside the inlets so crisp and clean I would always have to stop the boat to jump in, but before I did I set my depth finder in a range that if sharks came along it would alarm! *LOL*
Anyway, I know that in a forum and the media to many who grew up in Florida some who will say its mostly hogwash being over concerned and I think that will be true but like your dad, not sure if I personally can get over it because we were raised and grew up in a different enviroment.
I guess like your dad I would have to live it first and because of some of these posts I think I will look more towards the bay areas rather than lakes but whatever, may look on the coast of SC instead, have two communities to check out there as well, even though we will be in Florida this month looking around.
Im not in a rush but we are at the point of either move or spend money making our still impeccable home "new" again, but that I mean replace all systems and appliances before any fail, along with the roof and pretend this home is new.
Im not as concerned too much, though I wish it was a little less at the price escalation in Florida because seeing the sales price and time on market in my area is blowing me away, so its a wash.