Always thought it's the sailor in the boat not the boat he/she is on.
I kinda think it's nice to have a boat that will get one through; "to err is human", is it not?
For instance; wouldn't you rather have a masthead rig and a back stay, if you were knocked down or capsized? Wouldn't it be nice to sustain no damage after being hit by a container in a gale at night? Wouldn't it be nice to have a skeg to protect the rudder if it hit something?