One problem of coming up with a great title before you've finished your first draft is that you may be tempted to slant the story to something that fits the title. Even if you resisted, you've wasted time and emotional energy.
Having said that, I've just been looking at the Quick Fire Questions thread, where they're looking for appropriate types of ship. At the risk of being sued for copyright infringement (= theft

), I thought of this title for a story set at sea:
Brig Over Trou....
No, sorry. I don't want to be taken to court by either Simon or Garfunkel (or whoever owns the rights).