One key factor
All this assumes the other boat sees you at all. The same people who are texting and driving cars are texting (or worse) and "piloting" boats. They run into islands, what makes you think they won't run into you? BTW, the islands have the right of way, too.
That being said, the right of way rule is designed to eliminate the problem of both boats making a correction and potentially making the problem worse. In the end, you do what you have to do.....unless you're an island, then stand-on.
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