Dunno the relevance of sea wrack (post #13). Low cloud maybe, but the potential for severe turbulence in that area probably presents a greater hazard. Even 20 knots wind can produce most unpredictable shifts, downdrafts and sometimes total reversal in direction.
Two years commercial flying may not be “highly experienced” but plenty enough for that operation, especially as she gained most of her experience in Tasmania. If the pilot had a freshly minted Instrument Rating she was probably more current than some with many more years in the business who may not have had recent practice, so again enough for that operation.
Thinking 50 year old airframe/turbulence, and I do hope the investigators look very closely at what remains of the structure.