Almost any small cove can protect you from sudden winds. The big issue is lightning, so you don't want to be in the middle of the cove/lake all by yourself. Never hesitate to head for the nearest dock and tie up if you get caught. I'm sure whoever owns it will be happy to have you on their porch for 20 minutes.
I agree about last minute cancellations. Most marinas don't want their boats out in bad storms any more than you want to get caught. If you're only renting for 1/2 day, morning may be the choice.
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