I also carry OS maps if I'm going somewhere new...... Mostly so I can see what's worth going ashore for, but also 'coz they have good "above low water" info as discussed above.
I've seen locals take short cuts I wouldn't consider at the speed they did, but then I also reckon people have probably commented about my "reckless driving over those rocks" where I had the local knowledge......
No matter how good your technology is, if you are in any doubt, back off the throttle & get your crew up front looking over the bow! Not rocket sience, but it works!