Have you ever had an REAL engine failure

[Rickskymaster]

I have been dong a lot of simulated engine failures lately.
But have not actually come to "Feather" the operating engine as of yet.
This got be thinking, has anyone had a REAL engine failure and was it on take off and/or enroute.
Also, I am still thinking about the proper time to retract the gear?
If an engine failure was to occur after the gear was retracted, what is the best procedure?
I look forward to everyone's opinion as it helps a new Skymaster owner think thru the issues.
Thanks
N48AT