I normally reply with "it's not the sharks that worry me, it's the alligators". I don't kayak alone in the creeks anymore due to an encounter with an angry 8 foot gator that charged me when I accidentally snuck up on it. Here's the story.
I was fishing from my kayak, alone way up Yates Creek about 2 or 3 years ago in the Springtime. I eased my kayak around a bend in the creek that normally holds fish and prepared to make a cast. Just as I round the corner, I hear some commotion up in the bushes. I look up, and there sits a very angry looking alligator right on the bank. Mouth open, body up off the ground, making that hissing/growling sound they make when they are really pissed off.
I panicked for about 2 seconds before I could react. I dropped the rod and grabbed my paddle (I'm already within 30 feet, and the wind is pushing me direclty towards a big ole set of jaws and teeth). Just as I'm starting to back-paddle away from him (actually, it was probably a her), she comes charging directly towards me

I moved on up the creek and tried to fish, but I was too freaked out. I was also terrified of paddling back around that corner. I finally worked up the courage to paddle back to the ramp. I didn't see the gator anymore on the way back in, and I haven't been on my kayak in a creek since.
A few weeks ago, I see something floating in the water out on the flats, I paddle over closer to see what it is. Just as I realize it's an alligator's head (a very large head), it sinks below the surface, and I turn around to go home.
So, to all of my fellow yakkers, which is it that you are most afraid of, sharks or gators? I wanna hear some stories.