Flashcards are a great way to learn lights and shapes etc but Rule 2, “the ordinary practice of seaman” or special circumstances can not be learned from flashcards.
As far recreational sailor, a few may have a firm sense of good seamanship but limited flashcard knowledge, these guys will stay out of the way or most likely make the right move in tight spot.
Than there’s the ones with some flashcard knowledge but no understanding of good seamanship, These are the dangerous ones , they’re the ones in the 30 foot sailboat waiting for 20+ kt containership in the TSS to give way.
Finally there are the ones that are unaware of the COLREGS and no seamanship. In this case their collision avoidance maneuvers will be similar to Brownian Motion, totally random.