Personally, I don't think a properly maintained keel/centerboard boat is any less safe than a fixed keel, provided the centerboard is properly designed and has a positive locking mechanism to prevent it from retracting unintentionally in a rollover or knockdown.
If the centerboard is heavily weighted and there is no positive locking system to keep the centerboard in position, then the danger posed by the centerboard in a rollover or knockdown situation is fairly high.
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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Still—DON'T READ THAT POST AGAIN.