I see this quite a lot on the Bay. On any SCA day in the summer, you'll hear a lot of Maydays. A lot of these guys go out in these open boats not realizing the chop that can build. Oftentimes, you hear that they can't even swim.
I was coming up the Bay on my buddies trawler one time. USCG broadcast a weather alert calling for 60kt winds, hail, and a possible tornado. We saw some people out in a Jon boat fishing. 2 adults and 1 or two kids. We told them of the alert, pointed to the black/purple cloud building over land, and offered to take them aboard. They said "no thanks, we're fine". I don't know if anything ever happened to them, but I would not want to be in a flat-bottomed aluminum lake boat in a Bay storm.