I have enjoyed this discussion. I was on passage to Tortola when Rule 62 hit the reef. During that time, once we got across the Stream, the seas were at least 15 feet from the NW, and very regular, with a 14 second interval. If the skipper of Rule 62 had continued SE, keeping those big seas on his quarter instead of heading SW with the seas on his beam, then his ship would have had a very comfortable motion, and three things would have happened: the crew would have been less seasick and exhausted, they would probably have made better decisions, and they would have wound up in Tortola.
I agree that the boat didn't cause the shipwreck, but I think she contributed to crew failure, with those low cockpit coamings, lack of adequate handholds, narrow side decks, open transom, and exposed helm stations.
Consider also the interior. We don't know what provision the skipper made for rigging lee cloths, but the promotional photos of this boat make me wonder where the crew could possibly have obtained rest. The master's bunk looks like a big hockey puck. I doubt that one could stay in that bunk, much less sleep, with 15 foot swells on the beam. The crew must have been rolling their guts out. Before going offshore it is important to set the boat up so the crew can rest securely. Failure to do so will lead to crew exhaustion.