sand bars and debris is a navigation hazard when water levels are low.
strong flows, whirlpools, uncontrolled steering if caught in strong currents would also be a hazard at the other end of the scale (high water levels).
In either case, it adds to the game, means a PC or NPC needs to be on hand to pilot the vessel. And then of course in either case, you could also be
under fire : - )
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