See, the last time I walked up to a sand bank, where we needed to cross some water, the first thing I did was to check the tide times to see how safe it was to go and how long to stay for.
No life guard, but there were also lots of people around, including with boards, so opportunity for help if the worst happened, and we never went deeper than waist level.
I was also on a beach with a rip tide recently (eventually the life guards put up a warning sign).
I stayed quite happily where the waves started to crash (as I love diving under them), to under arm level. You follow the movement of the waves as they go towards the shore. Don't try to get back where you started, just towards the shore or alongside it.
Not a problem. Never in danger or felt at risk.
Big waves also come in groups, with the biggest usually last (the 7th). They do quickly follow one another and you must prepare for them. Dive under them, or swim with them like bodyboarders, or jump over them if you can.
After they crash they pull you back. So, always try to use the crashing waves to reach the shore, not between them.
People should always get a feel for the currents as they get in the water and if they plan to swim.