How did Harris conclude their journey or why did Harris said that three men well out of a boat?

On the journey back from Oxford, it rains incessantly. The men, miserable, pass the time by playing penny nap, a card game, and listening to George play the banjo. Although J. describes him as an unskilled player elsewhere in the book, George here plays a mournful rendition of “Two Lovely Black Eyes” that plunges the men further into depression.

Though they swore to complete the trip, the men decide to abandon the boat and spend the rest of the trip in an inn in Pangbourne. They enjoy a delicious supper there, and tell the other guests about their travels. As the novel ends, they toast their decision to end the trip when they did, and Montmorency barks in agreement.