The centerboard on the T-37 just has enough weight to allow it to drop, so it really does not add anything to the stability. It does allow you to point a good 5-7 deg higher with less leeway, balance the helm on a reach and with it up on a run you'll see a good bump in your speed do to the reduced resistance.
But with all that said, the T-37 is a very capable boat with or without the centerboard and I would not hesitate cruising the Caribbean in one.
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