SH3, not 4 but relevant to the topic
first time I ever loaded up the game, I failed to consider that they had scripted the entire harbour with my boat in its dock. looking at the map, I noticed I was in Wilhelmshaven, zoomed in a little and plotted a course out to the open sea. (remember how in SH2 you'd usually start any mission out at sea?). Boat automatically goes to ahead standard and I start looking at all the other nice stuff there is to see, I plan to finish my little tour on the bridge.
to this day I don't know exactly why I did not look at the pretty scenery first thing, it would have made sense... either way, next thing i know I get damage reports and collision warning. erm, ah, oops
turned out I had been trying to leave port by pushing those cumbersome wilhelmshaven docks out of the way