Not sure if the local Police force has a "second shift" on the waterways. Best advice is probably to Check your local laws and always use a backlit GPS if you must do anything on the water in a dark enviroment.
There are states where it is legal. Owning a pontoon, I can tell you headlights are almost useless. My boat has docking lights which are basically car headlights and its only good for reflective tape or paint. You might not see logs or branches sticking up. Usually, even on the pontoon with limited top speed, I still reduce speed at night.