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While I haven't capsized, I've had a full keel boat past 90* and it while it wasn't fun, it wasn't as dramatic as I thought it would be. Sure the cabin was a mess from flying objects but it stayed dry, even with the companionway hatch open. Rolling completely would be a different story though. That introduces the risk of being swept off, the rig coming down and maybe holing the boat, oh, the minor issue of a few thousand gallons of seawater inside the boat as well as likely crew injuries, hypothermia etc ad naseum.
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