Can remember days like that with a 20' seaox,as well as a 19' downeaster ,and now a 23' maycraft that I have put myself in that position.. Trust me,it happens.. Can remember ole Joe aka Joe Mullet and myself on a day that was slick calm,have a squall come through out of the w and we were e of Hatteras Inlet.. It was blowing 50 and raining sideways in a 19' downeaster.. So bad we could not see to make way through it.. I anchored her down and Joe and I hid behind console till it went through.. haha