I don't know that amuck is the word Rich, I think they are valid questions.
I can only help with one - cleats pulling out of fiberglass. In September 2018, while we were out of the country, Tropical Storm Gordon made a swing near our area. The boat was in its slip at our club, where the basin is VERY small and is almost surrounded (300 degrees of azimuth, open only on the east) by protective tall mangroves, tall trees, or 2 story buildings. I can't quote storm surge or wind velocities for TS Gordon, but the boat weighed about 11,000 pounds.
We had a cleat rip out the port aft quarter. Two additional factors were in play. One, the rectangular backing plate was 3/16" aluminum, not much longer than the distance between the bolts, and not very wide. Second, the cleat was on a vertical surface, not a horizontal one, so the load was in tension, not shear. Our theory is that when the water drained out of the basin and our shallow bay, the boat was left hanging from its cleats, and that one ripped out. It would have had 4 lines on it, run to different pilings. I don't know if that would help or hurt. 11,000 pounds spread over 4 cleats, so something north of around 2750 pounds? I'm not an engineer, so I don't know if that analysis of loads is appropriate.
Interestingly, the mirror image cleat on the starboard side was fine, despite its complete lack of a backing plate. Needless to say, after I made the repair, all four of my cleats got new and improved backing plates.