I must admit, it's one place that I'd tend to be more vigilant for Crocs anyway. You've got those lovely little mangroves at Rowes Bay there, and I have seen a couple of crocs there in the past. Back in the day when I'd drag my heavy kayak across the rocks through the mangroves and to fish in the shallows there.
Productive fishing spot, but there are some cranky bull sharks and little lizards that frequent there.
All that in mind, I must admit, my reflext is to paddle hard and fast straight at a croc. The time that Spanky encountered a big bopper at Toolakea, he surfed the very next wave in, while I turned and paddle hard in the direction of the croc. I wasn't entirely sure why I did it, but that was my reflex. I figured ... I'd be able to tell for certain if it was a croc (seeing someone turn white and use a girly scream wasn't enough evidence), and I'd know where it was going.
I've seen spear fisho's use the same technique with sharks on documentaries. See a shark, intimidate it by going at it ("I'm a bigger predator than you" attitude). Not sure I'd be THAT keen.
Seeing the big storm coming from 4k off the beach was a little intimidating ... probably more so than seeing a croc to be honest. Once you see the first lightning bolt you suddenly start to feel very exposed...