WHAT I DID WRONG
1. I ignored my instincts, which told me the seas ahead were trouble and were likely breaking over shallow water. Instead, based on the previous tracks, I persuaded myself we had plenty of water and that this was just some effect of competing wave trains and the tidal stream.
2. I was slow to react when we first hit. I assumed we would be momentarily into deeper water and would just have a couple of bumps.
3. I completely forgot we have a powerful bow thruster (because I rarely use it)! This would have pushed our head around and away from the sandspit considerably faster than I did it with the engine, maybe significantly reducing the damage.
4. I was totally focused on getting Nada off and not on crew safety. (The two are closely related, but not completely.) Terrie should not have gone forward without a life jacket, and Kate had to remind me to get them out.