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Re: Thunderstorm in Chesapeake Bay
The circumstances vary too much to give a blanket, definitive answer.
Even if you're not offshore, and in the Bay, if you're near to a safe cove, putting the hook down and securing your canvas may be the best answer, especially depending on what your sailing experience is, and how your boat is rigged.
However, the Bay is easily vast enough that you can be caught too far away from a hidey-hole and have no choice but to keep on truckin'. If you have a main with deep reefs and roller furling, you can change to a heavy-weather configuration in moments.
I have a single, deep reef, and I have a storm jib, but my headsails are hank-on, so I need to "look further down the road" and make my decisions earlier because my actions will take a little longer to implement.
Alacrity, 1981 Tartan 33 #168