Yes, things can change on the river in a blink of an eye. With it 50 degrees I would say it was a north wind and a cold front broke down on you which is not good. I am glad you were all ok.
Try as I may to get to the dock before the weather broke, I have had that happen more times than I can count, I know exactly how you felt.
Was the dragon at the mouth of the Banana River when you were here? I think they called her Anne, but not 100% sure about that.