Going over the side is always a life threatening event; especially when the air & or water temps start to drop.
During the warmer months, most of us sort of laugh when we or a someone else goes in, but in the cold, it's no joke.
Having the ability to get back to your boat and then board it unassisted is crucial.
If you strike an underwater object while on plane and your boat sudden slows or worse - stops, without any type of restraint, you are first going to strike whatever is in front of you (at the speed the boat was initially traveling) Then you may or may not go overboard. There's a decent chance you'll have some type of injury as a result of that impact either way. If you do go in, your life jacket may be the only thing keeping you from slipping below the surface - hopefully help can come to recover you. Your ability to 'swim' in these scenarios isn't as important as having that life jacket on.
Going in the drink while fishing (not on plane) can be bad if you can't swim a lick; especially without a life jacket on.
Having a boarding ladder (or knowing how to use your motor's trim) to get back on board is very beneficial too.
If you've never tried to do any of this, though I hope you never really do for real) I'd encourage you to try it in a warm 'controlled' environment with at least one capable adult present. You may find that pulling your soaking wet full clothed body up out of the water and onto the deck of a bass boat is challenging; even when not hypothermic and or physically injured.
Bottom line, IMO learning to swim is a solid plan, at least a little.
Simulating the event and ensuring you're able to save yourself in the event the unthinkable happens, can't hurt either.
Sometimes there's nothing we can to - Bad stuff happens to good people all the time. However, many a 'strong swimmer' has tragically met their demise by not being prepare otherwise for an accident.
Stay Safe
A-Jay