From my little part of the pond, I think Tate did just fine. The love affair a person has with his boat will take him/her into situations they may never has thought they'd go to in their pre-boat lives, but it isn't a suicide pact. And that certainly holds for a boat that is not yours. I've danced on the dock
in a good blow trying to get a genny rolled up again or retied some lines but I'd never put my life at risk for someone else's boat. Them, yes but not the boat. Tate, hows your ankle making out?
As for the number of unprepared boats, I have to wonder how many of them are owned by people who are in financial difficulty, and would be happy to ring up the insurance
company and tell them: Opps, it sank.
From all the threads we've had here about abandoned boats in rivers and suck, mysterious sinkings, thefts etc, I have to think that some people may not yet be in those desperate straits but would be content to have a storm remove that burden.