Sparky,
You are not trying hard enough !
I've only tipped over 3 times in about 4 years, but all with the Kite up!
First was a wild gybe in a fair bit of wind whe I just 'went for it' too much and the Kite was pulling before I was ready and the boat just blew over.
The other two were while wiring with the kite up and I just Pitch-poled big time (was fairly windy F5++) because I had too much plate down.