“It was pretty horrific,” David Carter told me. “You think you’re ready, but when the time comes…” Carter, 60, who’s retired and a licensed captain, was talking just a few days after his 2001 Bayliner 4788 Carter’s Cove 2 caught fire and sank in the Tennessee River near Scottsboro, Tennessee. Carter, his wife and a friend who were on board all jumped overboard and were picked up safely. It was a Saturday afternoon and Carter was about two miles from the Goose Pond Colony Resort and Marina, going slowly, waiting out a storm. He had bought the boat last…