Perhaps you could provide us with a few documented cases of that happening.
Just a few.
We ran a Catalina 27 into a rock at at speed.
The typical damage happened.
The bolt on lead keel rocked back and pushed the hull up enough behind the stub so the boat leaked.
Had to be ground out and re-glassed.
I suppose one could attribute that more to it being a fin keel than bolted on.
Not sure what would have happened to an encapsulated keel.
Bene 32s5 with iron wing keel, hit rock then ran aground in storm
Bent stuff up enough to cause cracks in the glass grid.
I know encapsulated keels suffer damage too and it can be severe.
I get the sense that the damage is different however.