Thanks, ya'll!
I was being a bit blase' about things, and also trying to help out another boater, when I realized that "oops, I am definitely going to hit that tree (an upright log/stob)." I knew right away that it was not going to work out OK for the boat . . . .
The boat didn't even slow down as it went around both sides of the tree, it just shattered instantly. I have no idea what happened to the gunwales. I was laughing pretty hard/trying to breathe.
No injuries except for some abrasions and a two inch long splinter I pulled out of my leg. My ego is fine, which is the most important thing. Whew!

The 2.5 mile jog back to the car, in wet sandals, resulted in some bonus abrasions.

The water was up pretty high after a rain - a little higher than we thought. Normally not an issue for me, but shepherding others while in a boat meant for flat water was just one of several bad decisions.

I've still got lots of pics of the boat, so I'm not worried about it. Now I'll have to figure out a new way to decorate the living room, though.