It's just a fact.
Soft-target lovers can croon 'git gud' all they like, but enough people have raised similar concerns for it to be obvious. Here's my experience;
Three of my friends and I were having an absolute BLAST playing this game, enjoying the instruments and the sailing mechanics, marvelling over the water and trying to get our sailing chops. We found a few chests and turned them in, then on our second voyage, our stationary ship was fired on while we were on an island. It didn't take any serious damage, so we decided to head for a port. We were being chased. We got around some rocks, outmanoeuvred them with the wind, and made it back around to a dock. We drop anchor, walk our chests in, and out from the bushes springs a member of the ship, (which, still chasing us was busy sinking our docked, crewless ship) who'd been fired by cannon to camp the turn-in as we arrived. Thanks to some god-awful lag we disposed of him with no incident and turned our chests in.
Then we stopped.
We all decided that if our whole-hearted enjoyment of the game was going to be turned into an ordeal by harassing players, we didn't want to play any more.
We went from a definite day-1 purchase to a "maybe if they give us PVE servers" in 30 minutes.
Thank you for the beta, we saved ~$400 AUD
