Low transum is a major factor I wasn't thinking about, CC too. I guess it depends on the individual twenty. A Seafari with a full transum or good transum box is pretty hard to stop. I would not have hesitated to go offshore in a 4 ft forecast(when I had younger kidneys), unless I was forced to run a long way straight into it. Thats not a seaworthy issue, much more my kidneys.
I guess the real danger is either sticking the nose into a sea( in a CC) or taking a big one over the stern in any 20. Seems like either is unlikely for a competent skipper, at least in wave heights (face height) of 8 ft or less. But Moose has a point. It can change real fast, especially on the Florida west coast. Big afternoon boomers can generate some incredible steep waves in very shallow water, and very fast.
Steepness matters much more than wave height. I took a big one all the way over the stern of my 25 I/0 in an inlet, but I was doing something really stupid. The same height wave offshore would have been a non-issue.
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