This will no doubt stir emotions.
I took my daughter out when she was smaller than that. But with a larger boat, a better eye on the weather, and most importantly, always with another adult (usually wife but not always) who's sole responsibility was the safety of the children. We occasionally reversed duties, but there was always an adult with a single focus and no other assigned tasks, at least until she got a little older. It was never just the two of us until she started school, and by that time she knew the rules and was use to the water. By the time she was late elementary school she had her powerboat operators license, and in someways better judgment (more caution) than me. Now she's a teacher.
I've never claimed to be captain safety.