So true...
It is never a bad idea to have your pack unbuckled when facing a crossing, especially when there are a lot of snags and blowdowns present.
The flip side is that an unbuckled pack is more likely to throw you off balance, and crossings are exactly when you need them. Plus, the pack can serve as (temporary) flotation and protect your back.
There's no one downside-free approach.
I never agreed with the un-buckle the pack approach for that exact reason. If I were doing a significant ford where I'm in water above the knees or worse I'd do it but for crossings where I'm rock hopping and the downside is falling into 12-18" of water I don't unbuckle. Seems like overkill.
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