I am going to bring two 50's.
One to bribe a boater to take their time rescuing me.
One to pay for the cab ride back from Bay Vista park, should I break down.
Knowing me, the 100 buck fee will encourage me to swim back in and then walk all the way back (or hitch a ride).

In terms of racing or chilling, my plan is to race up to the point Jay talks about, then pretend to chill, but keep racing, so it looks like I won to anyone watching from the SW.