I high winds weather helm comes from a number of factors but primarily from heeling assymetry and from the dynamic balance between the mainsail and the
jib. In a traditional boat designed to be a cutter, the jibstay (what you have been calling in the ''inner stay'') is tacked to the stemhead and the mast us further aft in the boat and so is the center of lateral resistance further aft. Also the hull develops very little assymetry when heeled. Shedding the sail on the headstay works because everything else is so far aft although traditional cutters were infamous for developing a lot of weather helm when sailed that way.
Modern boats like the Cal inherently develop weather helm when heeled. The key is to develop a dynamic balance and that would require keeping the center of effort pretty far forward.
The other item that you touch on is the furled up
jib. In the kinds of winds where a storm
jib and storm trisail make sense (or even a third reef makes sense) It is not unusual for a boat smallish boat (perhaps under 40 feet) to take a knock down simply under the windage of the rolled up sail. (Been there, done that, wore out the teeshirt) When you talk about those kinds of survival conditions you need to strip the roller
furler or you are unable to even hove to without taking big knock downs. When you talk about a comparatively low stability boat with a comparatively tall and heavy
rig like the Cal 34 this is certainly the case.
Jeff