This thread has grown so fast that I haven't been able to follow all the action after about page 5 or 6.
I've been hoping someone would eventually point out that the regs specifically state that the stand on vessel has an obligation to hold its course and speed. If that is not possible avoid collision, the stand on vessels must adjusts its course in such a way that there is no doubt of the stand on vessel's intent. This is to make for an easily predictable heading and speed so the give way vessel doesn't inadvertently turn into the stand on vessel.
I agree that there is some exaggeration or errors in judgment around wind speed and boat speeds. I don't know about modern commercial charter boats today, but the ones that look like that one, I grew up around, could rarely exceed 20 knots. However, that's plenty fast. To have ridden up over the J boat like that and hit her on the windward side without knocking her over, she couldn't have been heeling much at all. This means no wind.
To me, of I'm ghosting along and I see a powerboat like that heading for me a mile out, I'd assume she saw me, she's fast maneuverable and has excellent visibility. If she doesn't appear to see me, by the time I've decided I need to raise her on the radio, I think there wouldn't be time for any action.
That powerboat had every reason to keep away by at least 1/4 mile. It shouldn't have even been close.
-Will (Dragonfly)