At one time, the D&H owned the Lake George Steamboat Co. and it appears it was possible to go train to Caldwell (Lake George Village), lake steamer to Baldwin, and then continue by train. While I've never seen it stated explicitly, I suspect the Steamboat Co. was regulated as a common carrier as they offered a daily (in summer) morning southbound departure from Baldwin and afternoon northbound departure to Baldwin all the way into the 60s. Hard to believe there was much tourist demand for such a service.
Roselle, IL (along the MILW West line)
ex-N&W Sandusky, Ohio