You are standing at the railing, looking down at a lifeboat. It seems really rickety. You think, it's gonna be cold there. Let's be rational about this, that thing is downright dangerous. The ship is going down, sure, but it's not down yet. The lights are on! Now is definitely not the time.

And you're probably right, maybe! The ship will stay sorta afloat a while longer. Perhaps the lifeboat won't leave. Perhaps you can get to the lifeboat at any time. Probably it'll be OK.