If you really believe that, then I'd recommend just staying on the ground. I guarantee there are plenty of other aspects of flying that are just as potentially dangerous as flying low over the water.
I have no problem flying 500-1000 feet over the water. I don't do it all that often, and when I do, I usually have a plan if things go south. Flying over water is not any more dangerous than flying over many areas on land.
It is one of the reasons I bought life jackets for the Waco. While I am within gliding distance of land 98% of the time, there are many areas I fly the biplane over where it may be preferable/safer to put down in the water of the engine quits.