I would definetely practice the mask drill if you aren't comfortable with it. I have never liked that drill so I decided I would start doing that drill more often, I decided that one dive too late. Below was my very recent experience.
I was a little shy of 40' with 3-4' of visibility swimming around a sail boat when bam, no more mask no more reg. I never saw the fin that did it and have no idea where that diver came from. I immediately went to my air2 (leave all air2 comments for another thread) and then swept for my main regulator. I found it, replaced it, but still couldn't see and had no idea which way was which. Now this may sound funny but the very first thing I thought of was a post by TSandM regarding a situation where she had a mask flood and became disoriented (thanks for that posting TSandM, came in very handy). I remembered she got negative so she could orient herself, I figured my mask is on the bottom anyway, time to go down so I dumped all my air. I hit the bottom and luckily the first thing I felt was my mask. I put it on, cleared, and saw someone right there asking if I was OK. I was so I signaled back OK, I think he probably handed me my mask but I'm not sure. At this point I caught up with my buddy who was oblivious to the entire incident (that is a topic for another thread). The entire event lasted maybe 20 seconds but felt like a lifetime.
You know what though, removing my mask underwater doesn't bother me a bit now.