Just recently came across this thread. The photos below represent at least 30 discs I've lost on holes 8 and 9 my home course Munden Point in Virginia Beach in the three years I've played there. The two holes play along a river, and winds are frequent. I've played up to 40 mph wind with gusts to 60 a few times. Sadly, I'm stubborn and what is a dry poor throw, safe, and not happy with, I'm capable of pulling out a second disc and watch it sail beautifully into the water. At low tide it's a disc graveyard, but too much mud for me to want to venture out. I once threw a Pro Valkyrie into the edge of water at high tide knowing it may of lodge into some roots. Came back the next morning at low tide to easily walk a few steps to get it, only to lose it a few months later on the same hole 8.
Most recent disc loss a few months ago hole #1 The Blockhouse Sunnyside a Neutron Photon nip a cedar tree branch and deflected into the pond. Only had the disc for four days.
Photo on left: Is from #8 long tee. From the short tee in the foreground, I've lost a few into the river when the wind caught it coming from the right.
Center: Short and long basket #8 plays as a Par 4. The Peninsula is about 100 feet wide and shrinks to C1 in length and C2 width at the long basket three sides by water which is just 20 feet past basket. Most of my 20ish disc loss for #8 has been on this portion of the hole when the wind is whipping strong.
Right: #9 long tee I pretty much hit the gap between those two trees on the right. I've lost two discs hitting the left tree and deflecting into the water, a few more going up and over to the left of the two trees. I stay away from the gap over the short tee. A few lost disc from the short tee on a turnover, and a few more on approach trying to hit the dogleg left on a lefty turnover after playing long tee. The hole is a long par three from long to long, the course being open since 2005, I would say it's never been aced.
Tomorrows rounds wind forecast 20 mph with gust, I'm looking forward to it on the other 16 holes, crossing my fingers on 8 and 9.