I used to know alot of Scottish folk, having been a student o' the pipes, and from what they tell me, most of the people living in the area of Loch Ness have seen the "monster", but don't like to talk about it because they don't want to take shit from people about it.
I have no idea if there really is such a beastie, but hey, if there's a Kraken, I guess there might as well be a Nessie.
The Rev