I hear where you are coming from, as I am a MN lake guy, and the water/current is usually not a concern. Rivers, waves and weather are the wildcards. Being an avid follower of the Haulover Inlet videos on Youtube, I would admit, that I think I would have a difficult time getting the nerve to tow in or around there unless it was during the tide lull.
As that inlet is notorious for not only very large rolling waves due to current, but also the current itself. The large rock jetty on both sides and the traffic. As soon as boats come out of the no-wake zone (bridge) it is game on. And many of those boats are well over 40' and thousands (literally) of horsepower.
So to answer your question, in this situation, I would have a tough time helping out. So in general, no, I have no issues offering assistance. But in this case, it would have to be ideal conditions where I know the variables. Home waters, not a concern.
I am intrigued to go boating in larger waterways in the future. So to your point, tow when you know the variables. And many don't know, what they don't know.