but constant exploration of alternative actions in emergencies is the mark of a pro.
I have always been a proponent in business of "what if" and "contingency" planning and as a boater I'm the same way. The ownership and management and captains should have extensively discussed what to do in a situation like this, even if it had never happened and they never expected it to happen. These type storms, even tornadoes, are not uncommon in that area of the country.
Every time I go out in a boat, I think of and talk through various types of potential emergencies. I have escape plans. I can't guarantee they'd work, but at least I have thought them through and discussed with those with more experience than I have. I may plan on running 200 nm in a day far offshore, but I've made note that day of every inlet along the way and the feasibility of entering.
In this case there were options and I can't say the captain didn't consider them all. They included dropping the canopy, ordering life jackets on, and abandoning ship. They included beaching the duck. They included not going out at all. They included heading to shore earlier, either the ramp or an island or elsewhere. The lake has many ramps and the captain should know the feasibility of each. Also, if safety is your priority, you have double checks and more than one person who can decide to cancel a tour.
We don't get chances to practice emergencies, even in the best training. It's not the same. I've fought fires in a school and gotten a feeling of how difficult it is, but that's not having a real fire on board with no instructors and no safety valve. You practiced full autorotations but you knew what you were practicing and it was practice.
Still, we don't have to have been through a simulation or an actual experience to prepare to deal with an emergency. We need education and continued refreshing ourselves. If there's a way to practice that adds to it but we all must prepare for things we've never encountered and never practiced.
Safety is an ingrained state of mind. It's preparation. We love NYC but we discussed a potential mugging before our first time there together with everyone in our group and what to do. I hope never to be mugged, but my mental practice and preparation may well safe my life if I am.
Perhaps all bases were covered by the Duck company, but if not, then they failed to prepare. If they had never discussed or thought through what to do in this type situation, then that was a critical weakness in preparation.