Changing props on the water is a challenge, dropping stuff is common, is there some kind of calm beach/shore you can go to and just get out and do it? The split pins are no issue, but, you drop the nut, one of the washers or the prop, then you have dramas! Technically you could test without the split pins, as long as the nut is on, or even use cheap steel split pins for testing and take a few of them.