I think for a situation like you have described to happen it must be blowing pretty darn hard. If it is blowing a lot, alot towards where you feal deep down in your gut that you shouldnt be out, then dont go out.

Now if you are caught in the middle of the bay/ocean/lake or whatever body of water you sail in and all of a sudden the weather gets bad and you have your small child onboard, you must get into survival mode and make sure you sail the boat in a way for it not to capsize.

Obviously I have stated something along the lines of common sense. If you have a gut fealing, just follow it. Because there is something just not right.

Dont be fearfull. Everything has a certain danger to it. Even driving down to the beach can be dangerous. I am sure you do that more often than sail.