To give this question some specifics to make it answerable, let’s start with this:
A friend of Ben Franklin’s in England tried to get Ben to convince his wife to move to England. As part of the argument, he said to mention to Deborah that no ship sailing between London and the colonies had gone down in anyone’s memory.
Somehow I thought ships in the eighteenth century were more dangerous than that.
Let’s eliminate whaling ships, privateers, warships and the like - if a person booked passage on a ship across the Atlantic in the 1700’s, how dangerous a prospect was it?