...Chances are you'll be fine, but I avoid intentionally exposing an open cut to the water in the bay, just like I filter stream water before drinking because I really don't want to experience Giardia.
Here's one example of why not to do that. In the grand scheme of things, it's not affecting that many people, but I don't want to be one of them if I can avoid it.
I've had more cuts, bites, spines, and even a few fish hook impalements, but this was my whole point.
I just put a bottle of hydrogen peroxide in the boat's first aid kit...
....The bay is full of some really nasty stuff, and if you get spined by a rockfish or white perch in the wrong stretch of water, it could be very debilitating.
https://www.vdh.virginia.gov/epidemiology/DEE/Waterborne/skininfections.htm