I grew up on the Mississippi river and depending on the current you'll probably be OK most of the time. But keep in mind,storms can come up pretty quick and that can be tuff to navigate with a pontoon period! I've stayed put on islands or just pulled up on shore till it passed. Thing is, you always need to be aware of the weather forecast for the day you're going boating ! I've owed a houseboat on the river,cuddy cabin, runabouts, etc so I know what a chore it can be. Don't know where your located but I boat'd between lock and dam 18 and 21-22 all the time. Lots of nice sand bars and islands to hang out at or "hideout" in!
Let me know where you're from.