I am wondering about your last statement...what was the nature of the vessel and the nature of the loss of the boat as you understand it that indicates the vessel/skipper were not up to the conditions?
The 911 call was from a female victim who said “her vehicle was sinking,”...tells me she was a rookie. And that the boat took some amount of "time" to actually sink.
The boat was a Precisions 18, not exactly an open dinghy, but if the swing keel was not down...it is reported to have "sunk" in 40' of water. Or if the boards were not in and the companion way open, she would take water
Winds were 12-18 knots at the time...again a bit much for "wet sailing" this time of year.
Most dinghy/wet sailing sailors, even in the summer wear wet/dry suits to keep "warm" in the event they get dunked. These folks did not.
Please, please understand, I was not there, but I just don't see how knowing your position would have shortened the time for a boat to get in the water and to them. Even if the coast guard hustled, you are still 30 minutes from Annapolis....a long time in 40 degree water....
My thoughts are with the families and hope that she makes a full recovery.