A. Your boat gets lifted up with the stern end way OUT of the water and you try to steer with the rudder. Only there is zero effect, because the rudder is out of the water also! I had that happen with a mere wind wave on a lake in my first year of paddling, and it convinced me there were better, more reliable ways to maneuver a boat.
B. Sometimes the rudder pops right out of its *stowed* position, under hard foot pressure. That one was pretty much the nail in the ruddered-boat coffin for me. Because this means that whether deployed or stowed, the rudder can cause problems.
C. And then there was the foot-entrapment by the rudder cable while practicing paddle-float re-entries. Non-fixed pedals that slip back while unoccupied cause the cable to gather too much slack and droop into a trap-like bend on the floor.
I know you didn't ask "rudder vs. no rudder", but for paddling in surf the above problems seem like dealbreakers.
Touring Kayak Paddles
Kayak Motor Kit
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