Glad you're ok. Watching your wheel go past you or watching your boat go past you are bad feelings once you realize it's your boat. I can vouch for checking lugs. I had a new set of wheels put on and the shop said to come back in about a week to retorque the lugs. Well, I had a senior moment and didn't go back. We were heading on a couple hundred mile trip so I did my normal oil check, coolant, tire pressure, etc then remembered the lugs. On every wheel at least 2 were loose enough for me to tighten with my fingers about 2 turns and most of the others needed at least 2 more turns with the torque wrench.