["I'm not a huge fan of water. My husband recently made me go swimming in the lake at his parent's cabin though.", 'I am afraid of water too. I somewhat know how you are feeling.', "Yeah I think it just scares me that you don't know what is in there. I got back in the pontoon as quickly as possible."]
I would be afraid of alligator. The water has so much pollution in it. But, then again we can't worry about things.
I'm not a big fan of water, like oceans, lakes, or rivers. Recently my husband's family invited us for a weekend at their cabin which is on a lake. They have a pontoon so I thought we'd just fish and hang out. My husband made me get in the water. I was so terrified something was going to eat me.