There are distinctions between USCG INLAND and INTERNATIONAL Rules
The phrase "appropriate to the situation". Seems applicable. At night may be viewed differently, even in clear weather. If you run over a row boat at night might be viewed differently than a nice sunny afternoon.
Anyway, the USCG will take the preponderance of evidence and make a finding. Any bets how that will go? I think the J105 will likely have a lot more to be thankful about, than failure to get out of the way. Of course, if the captain of the sailboat testifies, " I saw him coming and was worried he might hit me; but I figured I had the right of way.....", then things might get more dicey.
Excerpt from USCG Inland rules:
–INLAND– Steering and Sailing Rules RULE 8 Action to Avoid Collision (a) Any action taken to avoid collision shall, if the circumstances of the case admit, be positive, made in ample time and with due regard to the observance of good seamanship. (b) Any alteration of course or speed to avoid collision shall, if the circumstances of the case admit, be large enough to be readily apparent to another vessel observing visually or by radar; a succession of small alterations of course or speed should be avoided. (c) If there is sufficient sea room, alteration of course alone may be the most effective action to avoid a close-quarters situation provided that it is made in good time, is substantial and does not result in another close- quarters situation. (d) Action taken to avoid collision with another vessel shall be such as to result in passing at a safe distance. The effectiveness of the action shall be carefully checked until the other vessel is finally past and clear. (e) If necessary to avoid collision or allow more tim....