Blue Green Algae - How serious is it?

[Melabee]

Maybe a noobie question, but just like the title says, how serious is blue green algae? I've seen a lot of posts about locations with blue green algae warnings and have seen what it can cause in terms of symptoms on the AHS website, but I'm wondering how serious of a concern it is in terms of basic contact.

Ie) if I'm wiping off my inflatable and get some on my hands, or, just in case, we're on the inflatable and there's an accident causing us to go overboard for a minute or two, we've caught a fish and need to touch it to take the hook out and release it.

Are any of these scenarios concerning or is it moreso a "hey don't swim here for an hour/drink this water" warning.

Thanks