Had one of those G.O.A.T encounters the other night and I'm still thinking about it.
I was waiting for my buddy to get on so we could go and hit up a skull fort. I hovered kinda near it and just gathered supplies. They finally got online and I instantly noticed that another ship, a brig, had already gone over and were working on it. So we glided over to the next nearest fort and gathered as many gunpowder barrels as we could. We got eight - and a rowboat. Went and parked out ship behind the next nearest island and started rowing over... The plan being that, when we got close, they'd jump off with one barrel as a contingency plan (and swim a little behind) and I would drive this exploding rowboat into them and blow them sky high. We get close and my buddy notices that they're on the fort boss. Perfect! They dive off as planned and I notice that the brig has no rowboat attached... I see one of their pirates running around on the deck. If they look in our direction they'd clearly see us rowing over. Luckily they don't - they get in a cannon and shoot off to the fort just as I hit Y to dock my rowboat to the back of their ship... with seven gunpowder kegs in it. I grab one, hop onto their ship, run downstairs and detonate it, which detonates all seven. Their ship went sky high. I fill their top deck with fire from fire bombs too and then obviously die from burning as they all rush back to their ship to try to save it. Cue my buddy coming aboard with their keg and detonating that right at their feet. We rush back with our ship (it was only one and half map squares away), finish the boss and make off with the key just as they reappear on the horizon. They chase us across the entire map but we skillfully lose them, dock at an outpost and change all of our cosmetics. We even both put on sneaky moustaches.
Head back to the fort to get the loot and they're hovering around obviously noticing that we didn't unlock the vault. So my buddy detaches with a new rowboat with the key, I aggro them and drag them RIGHT to the other side of the map while my buddy loads up all of the loot on their rowboat and rows it to an outpost. Complete overkill on the complexity of the situation versus the amount of loot that we actually got but, damn, it felt like the heist of the century.
Best game.