I think sometimes whether or not a scientific explanation is 'settled' or not is less important than whether or not it's simple to understand, accurate 99% of the time, and therefore USEFUL to more people. Try this: Lift is created 2 ways: (1) by air or water 'pushing' on something like a sail, keel or rudder, and (2) by centrifugal force. Method (1) won't confuse many people, unless perhaps we complicate it by citing Newton's laws. Method (2) is very poorly understood by even the most brilliant among us. But if we think about forcing air (or water) to bend around a sail, keel or rudder (foil) and the centrifugal force that generates, it becomes much more simple and useful than trying to explain one of the Bernoulli's equations. The air or water on the 'outside' of the foil tries to go straight, but can't, and slings itself outward creating lower pressure. The air or water on the 'inside' of the foil also tries to go straight, but can't, and bunches up creating high pressure. If the foil (sail, keel, rudder, etc.) is at too big an angle (usually about 20 degrees for air; 'angle of attack') to the oncoming air or water, the air or water can't 'stick' to the foil any longer, and forms turbulence and eddies. This condition is a 'stall'. If you let it happen to your sail, you go slow. You can tell it's happening if the jib's leeward telltales are dancing around, or the main's leach tells aren't streaming aft. If it happens to your keel, you slide sideways through the water and you can't point for crap. If you let it happen to your rudder, you loose control of your boat, usually by violently rounding up or broaching if you've got the spinnaker out.
I've seen WAY too many sailors sailing (racing) very poorly because they just don't understand lift and stalls.
'When in doubt, let it out' (not stalled), but never let it luff. Learn to tell if you're sliding sideways more than going forward when upwind (keel stall). Keep the boat reasonably upright so your 'engines' (sails) aren't pulling the boat from 20' out over the water away from the drag (hull), forcing the rudder to work overtime, creating massive amounts of drag, or worse, stalling.
(If you're questioning how this works on a symmetric foil like the keel and rudder, envision how the water hits them at an angle (rather than straight on), creating more curvature on the leeward side than the windward side - this explanation works whether you buy into the centrifugal force explanation or not)
(Mechanical Engineer, Professional pilot, former flight instructor, longtime sailor, love to race!)