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Re: Merit 22 as a pocket cruiser.
The capsize ratio is really not a measure of how stiff or tender a boat is, it is a measure of how likely the boat will right itself if overturned. In general a below 2 ratio will right itself, above 2 will not so much. How stiff a boat is is often the opposite, a high capsize ratio will be a stiff boat, but if it does go over, it won't right itself (it is also stiff upside down). Note that wind will not capsize a keel boat, it is waves that cause a capsize.
The Merit specs look like it will be fairly stiff, a wide beam, flat bottom, 30% ballast. This makes the boat stiff and generally will sail best at no more than 15 degrees of heel. Above 15 degrees it will sail horribly and will probably develop major weather helm before you bury the rail. It has lots of sail though, so you will be reefing often.