So, my guy made it to shore ... unwielded his paddle, dropped everything on the water's surface, and dog-paddled the ten or so spaces to shore. Then (ahem) I edited a .txt file to allow me to magically create a stone knife and axe, to build a fire (he was Numbingly Cold, poor guy) and then build a raft onshore. I figured a small cheat seemed justified, since this pickle was not really of his own making. Last, he paddled back out to his floating pile of stuff, gathered it all up, and back to the settlement, famished and tired but alive!
Now I'll go save a copy of his data file, I guess, since I'm pretty sure that this will not be the last time. Maybe it's time to go to 3.70? o_O