The OOD didn't retire... career ended, certainly, but just as certainly not old enough to retire.
The closest I ever came to that was after turning the ship coming in to San Diego (anyone who's sailed into that port will know which turn I'm talking about):
CO: "Conning Officer, come here for a second..."
Me: "Yes, sir!"
CO: Pointing aft, after we steadied up after the turn: "See that buoy?"
Me: "Yes sir."
CO: "See the wake?"
Me: "Yes, sir..." (With growing trepidation... one edge of the churned water was between the buoy and the beach.)
CO: "Never do that again."
Me: "Aye, aye sir!"
I had wanted to turn MUCH earlier than the pilot, but he kept insisting I should wait. I ended up turning before the pilot wanted, but obviously AFTER the CO wanted to turn. The lesson I took away from that was that harbor pilots might know the port, but they don't know YOUR ship better than you do. Also that my CO had literal nerves of steel, and was willing to let us junior officers LEARN. It was sad he never made Admiral... those are the kind of leaders we need!