I don't understand the fear of capsizing. Windy days you're f-ing soaked anyways. Swimming is only marginally wetter.
For the most part agree, but I've been a part of some nasty pitchpoles and I've hit hard things at speed on my way to splash down and it has left more than just a mark. The crew definitely gets the short end of crashes because the skipper uses the crew as cushion between the hard bits far too often. I've also been in a situation where I've said to myself... it might be time for the knife and once sorted thought to myself 'that could have gone badly for me'. So, there are times when it's not just about getting wet.