late afternoon seemed lazy in the harbor- not on the water

Another warm sunny day on the York River. I had a busy day so did not get to the boat until 3pm. In the harbor there was no wind and I  thought it would be a lazy warm evening sail. When I got out on the river, it was blowing about 15-20kts and I was overpowered even after reefing the main so I uncharacteristically used good judgement and went back in . Hope it still counts towards my 100,