We had a water moccasin swim between me and a buddy during early teal. It was just light enough that we could see something thick and bulky swimming thru the water toward some brush behind where we were sitting. I see a lot of carp and gar in that area and assumed it was a carp. After first light my bud screamed like a little girl that there was a snake right behind us. Sure enough, it was a moccasin, curled up in the brush just above the water.
We both flew off those mud seats like spring heeled jacks.
Snakes don't freak me out. I live in a semi-rural area and find big Texas Rat Snakes, garter snakes, racers, etc in my yard or pool. And I've seen quite a few common water snakes in that spot. I don't kill snakes (or varmints....if I don't eat it I don't kill it), but I've never really given much thought about encountering poisonous snakes (and the potential consequences) while sitting still on a mud seat in 3+ feet of water with cool air temperatures. That snake was big, as thick as my forearm. It was within range of biting us and we could have easily be bitten in the back or on the arm. The water temp was warmer than the air which was a bit chilly. If it had been a bit warmer outside and the snake more active, there's a good chance one of us would have been bitten. If it had bitten one of us it would have been a long haul just getting back to the truck.
Do you ever get the feeling you're being watched? Because if you do, I'll stop doing it.