"what if we're rafted up and then a t-storm pops up? "
I've never actually seen a t-storm "pop up". Seen it come over the horizon, or sneak up after dark. Felt the temperature drop as I sailed through a front line. Seen the barometer drop before one comes through.
Don't think I'd want to raft up to anything unless I'd seen the wx radar and visually confirmed there was no front line and no storm activity anyplace within ten hours of me. Otherwise, dinner, dessert, see'ya it's time to spread out for the night.