How do you feel about holes next to bodies of water, such as rivers? I have lost just as many to rivers, even when the hole is not across it.
I can only think of one hole I have ever played where smart play will still lose your disc. Indian Hills, hole 3. You are on the low side of a pond, throw across to the steep bank (close to 45 degrees) on the other side that is covered with trees. If you hit a tree on the other side, it rolls right down. Most of the other holes I have played, only newbs would put it in the drink.
That said, I think water holes are overrated and overused. I still enjoy them, but think they should always be in the first 250' of the hole.
When life gives you lemons, stick them in the freezer for a few hours, then throw them back, 'cause they're like rocks, man.