Just curious as to what folks generally think of when defining a competent swimmer - with respect to reasonable safety to engage in surfing. Of course, I realize this depends on conditions to include currents, wave height

, etc. But generally speaking, lets say for the sake of argument we're talking a beach break that's typically in the wave height range of 2-4'. What do you think the average persons swimming competency/ability should be before venturing out?
Using myself as an example, I have tremendous respect for the ocean and its power and know my limits. I'm a bit of a geezer (53) in good health and can swim 500 yards or so (various strokes) without a lot of difficulty.....having said that, I find myself pretty much sticking within the parameters I outlined in the above (beach break/2-4') as I'm only two seasons into the sport.
Interested in thoughts......