Blaze,
I recon if you get your rig home in one peice you are a goiod skipper and if you don't you are somewhat of a lesser Skipper
I don't think anyone can say they know the limit of their boat as you would have to make it fail to say you new the limit
Evryone must have an idea of what they will put there boat through and what they would take on. For me I don't like to venture out in 20+ knots of wind and 1.5m+ swell.
Also a runnout tide with over 1.5m of swell is a no no on our local Bar (Tweed)
Cheers
Garry