Dude just kick it out there. Go out and heel it to the max, if you tip, so what? It's still relatively hot in most places.
I will say this as far as dingy sailing. Sail until you hear the boat talking to you, it will be a humming noise with vinration from the centerboard and or rudder. That will tell you that you are reaching the max. If you continue to push past that then you have three things to look out for.
1. If your clips are plastic, they will begin popping off the mast.
2. If your clips are metal, they won't pop off the mast but you risk a tear in the sails.
3. You will end up keeling over which is actually a lot of fun in warm water.
Wind is not a major concern for dinghy sailling. Wave height is much more important. Of course I am not saying to go out in 25 knots with a 14' boat, I'm just telling you that you can. Just be mindful of what your dinghy is telling you.