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"So basically" yes.
If you look at the charts--and you must get the charts--you'll see there are large stretches where the water is way less than 100' deep extending offshore. If the wind is blowing from offshore, and the water hits the shoals, you'll get a lot of wave action. Now, add whatever current or rain flooding is coming off the land in the opposite direction, or out of entrances to harbors.
More chop, while the wind is trying to push you onto a lee shore, and in a 27' boat you don't have a lot of power to fight that. Some of the entrance channels are also narrow, lots of shoaling and changing conditions with rock jetties on both sides. Add a bit of fog, and you've got a recipe for disaster.
I know someone who was lost within sight of shore near Egg Harbor Inlet a couple of years ago, even the USCG could not launch out the inlets to search for him.
But, it good weather? Great places to go sailing. Basically, if the weathercast shows good weather all around you, and you know it can't close in before you get back ashore, you're OK. But on the days when the weatherman are mumbling about occluded fronts and stalled systems and the probability of whatever, you've got to be more careful.