Seriously? I was just sailing along on my sloop on my own and then suddenly 2 skeleton galleons spawn on me? Does not feel very fair to me, as if I die at all (which I did due to a cannonball to the head) then I don't have time to respawn in time to stop them from sinking my ship (what with the stupidly long loading times and all).
EDIT: I managed to save all my loot in my rowboat before it all sunk, but then they followed me in my rowboat as I sailed to the closest island and shot my rowboat with their cannons. I thought they don't care about rowboats?