I understand what you are saying Checkmate46.
If you are going to lift the bow at all your choices are to either use a cart (I use a scupper cart which keeps the back of the kayak and the rudder protected) or snap on the loading block to protect the rudder. I step out when I am in a foot or two of water and then reach under my kayak and stick my cart in while it is floating. I think that is easiest and makes loading and unloading into the bed of my pickup truck really easy. I am usually launching from a boat ramp and so I just roll out of the water up the ramp to the parking lot to where I leave my truck parked (in the nice level lot). I can then pick up the bow of the kayak and set it on my tailgate with plenty of clearance on the rudder.
If you use the snap on loading block then you need to be careful as Kpd145 states. If you pull forward at all the block will simply rotate and the kayak will land on the rudder. I use the block when I am putting my kayak in the garage. With the bow of the kayak in my bed and the block snapped into place the weight of the kayak pushes back on the block to help it stay in place.
I hope this helps.
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Fish tremble when they hear my name

A ship in harbor is safe -- but that is not what ships are built for.
--John A. Shedd, Salt from My Attic, 1928