I sail my Morgan 22 in 10-20 knots and 3-4' seas all the time.
These ratings come from the European Union but I don't think there is an equivalent for the USA
It's shown on a compliance plate at the Nav station.
Mine is a French built Beneteau 393 so it has a European CE rating shown as
The numbers are the number of people on board as a maximum
The letters mean a type of sailing condition
A’ OCEAN: Designed for extended voyages where conditions may exceed wind force 8 (Beaufort scale) and significant wave heights of 4 m and above but excluding abnormal conditions, and vessels largely self-sufficient.
‘B’ OFFSHORE: Designed for offshore voyages where conditions up to, and including, wind force 8 and significant wave heights up to, and including, 4 m may be experienced.
‘C’ INSHORE: Designed for voyages in coastal waters, large bays, estuaries, lakes and rivers where conditions up to, and including, wind force 6 and significant wave heights up to, and including, 2 m may be experienced.
‘D’ SHELTERED WATERS: Designed for voyages on sheltered coastal waters, small bays, small lakes, rivers and canals when conditions up to, and including, wind force 4 and significant wave heights up to, and including, 0.3 m may be experienced, with occasional waves of 0.5 m maximum height, for example from passing vessels.
So if a vessels CE rating is
You could expect it to be a small light boat that's fine in 25 knots up to 6 foot waves. But death on wheels in 50 knots and 20 foot waves.
Of course people in theses threads only agree with these ratings if they help their argument, otherwise they dismiss them and say bribery has taken place
But no one has sued for wrongful death.