Understanding stream thermal heterogeneity patterns is crucial to assess and manage river resilience in light of climate change. The dual acquisition of high-resolution thermal infrared (TIR) and red–green–blue-band (RGB) imagery from unmanned aerial vehicles (UAVs) allows for the identification and characterization of thermally differentiated patches (e.g., cold-water patches—CWPs). However, a lack of harmonized CWP classification metrics (patch size and temperature thresholds) makes comparisons across studies almost impossible. Based on an existing dual UAV imagery dataset (River Ovens, Australia), we present a semi-automatic supervised approach to classify key riverscape habitats and associated thermal properties at a pixel-scale accuracy, based on spectral properties. We selected five morphologically representative reaches to (i) illustrate and test our combined classification and thermal heterogeneity assessment method, (ii) assess the changes in CWP numbers and distribution with different metric definitions, and (iii) model how climatic predictions will affect thermal habitat suitability and connectivity of a cold-adapted fish species. Our method was successfully tested, showing mean thermal differences between shaded and sun-exposed fluvial mesohabitats of up to 0.62 °C. CWP metric definitions substantially changed the number and distance between identified CWPs, and they were strongly dependent on reach morphology. Warmer scenarios illustrated a decrease in suitable fish habitats, but reach-scale morphological complexity helped sustain such habitats. Overall, this study demonstrates the importance of method and metric definitions to enable spatio-temporal comparisons between stream thermal heterogeneity studies.