Being out on the lake at night in a tiny craft without lights in simply dumb!
On the other hand, the captain has to watch ALL the time. I've done a lot of boating at night on the lake. It's easy to assume you the only one out there when you don't see any lights for some ways, but ultimately you are responsible.
I just had to put a motor in my truck due to catastophic oil pump failure. I had an oil pressure gauge. I've had my truck for 8 years. It ran great! Do I watch the oil pressure gauge? Not all the time, I got complacent enough to cost me.
It wasn't my fault that the enging blew, but I could have prevented it! Does everyone watch thier gauges on a regular basis? I mean every few minutes ALL the time? I didn't think so!