Maybe you should get out with another guy until you've got these things figured out. You outta at least have enough experience to know how the capsize is most likely to occur, so you'll have a plan ready. Even though you should be ready for it, you shouldn't capsize with the kids on board. It also might be a good idea to just get out in mild winds while you're carrying passengers.

Also some of the more recent Hobie designs are more family oriented boats which have higher flotation hulls, and might be better suited to your purpose.