One thing you may want to consider is using OpenCPN with multiple satellite data sets. When I put the coordinate of your grounding location into OpenCPN, both the ArcGIS and GoogleSat images show three large uncharted reefs right in that location. The reason I say "multiple satellite images" is that BingSat photos were taken on a cloudy day. 😉

In our 5 year half circumnavigation to date, the charts seem the worst in the South Pacific so while on the move, I constantly cross check between CMAP, Navionics and sat images and route based on the worst case scenario.

Sorry if this seems like a criticism but no fellow cruiser wants to see another boat get damaged. I hope this may help you avoid future incidents. I create my own "mbtiles" for OpenCPN so I know I have the latest and greatest sat shots. I've received outdated sat images from other cruisers, so I only trust my own mbtiles now. Let me know if you want me to show you how to do it as it's free and not too difficult.