I can unfortunately say from experience, that it's even more exciting when the mast comes down while you're sailing. We had that happen out in the middle of Lake Champlain in 20 knot winds, a few years ago, when the forestay broke on the 23.5 we used to have.
Luckily, the mast survived, the sails survived, and most importantly, we survived. The mast foot did not, and luckily a sail loft in Burlington saved our vacation by securing one and replacing the forestay while we spent a couple of days sightseeing.
The moral of that story is check the swaged t fitting, on the top of the forestay, next time your mast is down. Any fraying of the cable could be hidden by the furler as it likely was on my boat. I know now what I didn't know then (and now you all know as well)
