Methinks there are way too many variables to give any single answer. Personally, I'm uncomfortable leaving our home anchored anywhere overnight. Too many possibilities for mischief or misfortune.
However, we routinely leave it for a long day ashore (into the night, frequently, but rarely very late, more a product of the sort of folks we are than for concern). That said, we also monitor the weather very closely, and if we're the least bit worried, would cut whatever we're doing short and go back.
Another rule of thumb I use is that anchor chain does me no good in the locker. My personal minimum, other than for an on-board lunch-hook type situation, is 7-1 scope, IN THE WATER (we have markers on our chain to guide me), including allowing for tide range and the 5' our anchor rollers are above the water. Thus, here, in 10' at high tide (plus the bow roller height), I have 125' in the water in our protected location.
Given that our measure is ITW (see above) chain, even if it goes pretty tight in a big blow, we'll still have 7-1 due to the added 15-20' of chain between the roller and the water when it's stretched. If we're going to see 20 knots or better, I increase that to 10-1, and if it's REALLY expecting to blow (half-gale, say), if the holding, based on my prior experience, is excellent, I'll go to 15 or more to 1. If I'm the least suspicious of the holding, I'll put out our second anchor on a similar scope.
Our primary, for our 40,000# (fully provisioned, fueled and watered) boat is a Delta 55. Our secondary is a CQR 75. The Delta has been described as monstrous overkill by a very experienced mariner, but I'd much rather have too much than too little. "All chain" rode has a very salutary effect as well, as ours weighs just a smidgen over a pound a foot.
If things got really sticky, I'd tandem rig with our Danforths ahead of these. Both the Delta and CQR have holes at the shank tip for attaching either a buoy (for location, or if you had to, to free a foul) or a chain. Putting about 20' of chain out in front, with a Danforth, will assure a VERY deep pull, as the heavy primary anchor will act as a kellet for the Danforth. Even if the primary drags, the Danforth will still be on the ground. The catenary of the long chain, of course, serves the same purpose for the primary, but if you got a truly strong blow, even 300' of chain will straighten out, perhaps enough to get the shank off the bottom, enhancing the possibility for the anchor to dislodge.
HTH
L8R
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"Believe me, my young friend, there is *nothing*-absolutely nothing-half so
much worth doing as simply messing, messing-about-in-boats; messing about in
boats-or *with* boats.
In or out of 'em, it doesn't matter. Nothing seems really to matter, that's
the charm of it.
Whether you get away, or whether you don't; whether you arrive at your
destination or whether you reach somewhere else, or whether you never get
anywhere at all, you're always busy, and you never do anything in
particular; and when you've done it there's always something else to do, and
you can do it if you like, but you'd much better not."