Another option would be to get the swimmer on the back deck and paddle in on the back of a wave most of the way in then swim or move away from the beach and reunite the paddler with their boat.
Back deck rescues can be very effective and are way better than toggle towing someone. The only time they are no good is if a very large person is being rescued by a small person in a low volume boat. Toggle towing someone through waves is incredibly tough and much riskier. I've done it a couple of times in surf and it's a lot of work even without the wind.
Deck Rigging Gear
Canoe Pack Liner
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