I spend most of my time treasure hunting and am surprised that this bug has not been addressed yet.
1 out of every 3 Shipwrecks is not accessible due to the ship having clipped into the terrain. Sometime, the ship is entirely under the terrain with only the masts visible above the sand. This has been an ongoing issue making every dive a gamble. It doesn't matter is the recovery level is a 2.0 or a 20.0, you only stand small chance of actually being able to reach the chest, which may be underground itself.
I know on your roadmap you've said you'd like us to spend more time at sea, as that is your intention for how we should be engaging with the game. I'm trying.
But, between cold snaps, heat waves (I have 80 fortitude and it does very little), Ships of the Damned, dense fog, faster vitamin depletion at sea, cyclones, terrible low wind resulting in exhaustivey long trips and very very little reward for the risk of losing your ship, I see nothing to incentivize this.