This is a good point. I am NOT disagree with you.
If the boat survive without human intervention during the storm, then the occupant can survive there too providing he or she securing themselves properly inside the boat below deck. Perhaps wearing helmet and body protecting armor like those used by the motorcyclists.
BTW, I thought about bringing my Helmet on board when sailing solo. I wear helmet for snow boarding or motorcycling, it seems logical to wear one in sailing. But I have never seen or heard anyone doing it. I bumped my head head hard many times when below deck.
I noticed Jessica Watson (16 year old single handed circumnavigator) used a helment (rock climbing) when going aloft at sea. Would be a good idea anytime you might get wacked by the boom.