I'd agree with johng, though I have swam in several spots in and around TB. You have to learn to read the water, and the shoreline to spot rip currents. There are at least two places on Frenchman's that have a nasty rip, and it gets worse with weather and incoming/outgoing tides. Avoid sections where the beach comes to a point. Watch where the waves break, and avoid the areas immediately to either side. Usually you will see sand and silt stirred up and being pulled out to sea, definitely avoid those spots.