If you look at the area we are talking about, there is probably no better area to find a safe place to land than that. There are miles and miles of beaches, which is a great place for a forced landing. Also, it really doesn't matter what altitude you are at if you are not trained for a forced landing or engine out. You can be at 10000' and have an engine out, and if you don't know where a suitable place to land would be, you're in big trouble.
If you are a pilot, you know that during your flight practical exam you are required to come up with some suitable landing places in case of emergency. The examiner will ask you exactly that. When I got my license, the examiner let me descend to about 200' before he said OK the airplane is yours and let me go back up to cruise altitude.
The area that the OP and I are talking about flying under was only for about 5 miles anyway.
Of all the Cessna, Piper, Mooney, Beech and other airplanes that I have bought and sold, I had two mid air emergencies that required a forced landing. Luckily I learned that skill early and my dad always reinforced it when I was flying with him. Every few minutes he would say "where would you land now if the engine went out." I can't thank him enough for that invaluable training. I also apply that instinct to my drone flying. I'm always aware of the possibility of a mid air failure, so I'm always looking for a place to land even if everything seems to be going fine. It's part of my preflight planning.
Im a pi;ot and was an instructor and since you are a long time pilot, you know that to say... "it really doesn't matter what altitude you are at if you are not trained for a forced landing or engine out. You can be at 10000' and have an engine out, and if you don't know where a suitable place to land would be, you're in big trouble." Is not a sensible statement to make about a pilot, because ALL pilots should be able to handle an engine out situation as they should have been trained to do just that. It is part of the training and should be practiced often throughout any pilot's flying life.
All pilots should be paying attention to what they are flying over and picking out suitable landing spots all around them as their flight progresses because they were trained to do that just like they were trained to check the Ps and Ts on climb out. Therefore, there should never be a situation whereby a pilot is at any altitude including your 10,000 ft mentioned, and not be trained to pick a spot to land and get it down in there. Altitude is your friend when you have an engine out, you know that. Yes many pilots get laxed and don't practice engine out situations as they age, but that is their own fault, that is not how they were trained.
It would be like saying no matter if you are driving at 40mph or 150mph, if you are not looking at the road, but have your eyes on your phone texting, you will be having a nasty crash. Sure, some people do that but that is not how they were trained to drive. Regarding flight, I am speaking of what a pilot was trained to do and is expected to do during flight. There should legally be no pilot up in the sky who was not trained for a forced landing, or who was not paying attention to emergency landing spots.
Those who have not practiced such a scenario continuously during their flying life and those not paying attention to the ground, will all pay the price when such a situation comes up. It is just not a thing that pilots are told is okay to do, to fly low over water and think that engine will always be spinning their prop. Many may do it but it is not a safe, nor sensible thing to do. I was just commenting on flying low over water, that was mentioned in this thread, so that other non pilots did not think this is something that we all do on a regular basis. The prop is only there to spin and keep a pilot cool because when it stops, they all begin to sweat!