You need to understand two things..
You need to understand two things about anchor setting before you can really make these above water decisions. First, in perhaps 85% of the bottoms, you will encounter, there are two layers of substrate. The first layer is a relatively soft sediment layer that is anywhere from between 1 inch thick, in a high current area, to as much as 12 or 15 inches thick in an area of little tidal movement. This is NOT the part of the bottom you want your anchor buried in and holding your six figure investment but if you don't properly set this is the layer you'll be depending on!Second, there are two types of sets! I've learned this from watching boats that don't properly set an anchor and then diving on their anchors and comparing it to boats I have witnessed who did actually set the anchor or to my anchor. Diving on your anchor provides REAL data and not the false sense of security you get from a partial set in the top layer of substrate. An initial or partial set is just what the name implies. With a Bruce or a CQR this usually means the anchor is laying on its side and only partially burried in the soft top layer of bottom sediment. These anchors are NOT set! A Bruce or CQR type anchor needs to be vertical and buried so that all you can see is a little bit of the shank or none of the shank.To properly set an anchor the sail MUST be back winded with at least 10+ knots of wind, or the motor must be used at a minimum of 80% reverse throttle. Trust me from my diving experience it is a RARE occasion that an anchor properly sets without backing down or back winding! It's the bottom layer of substrate you want your anchor penetrated into and NOT the softer sediment layer. Many boaters feel the resistance of this partial set and stop there only to drag anchor and wonder why at a later time. Now many anchors will set and bury properly when the wind pipes up but there is NO guarantee at all. You should always SET your anchor and if it does not hold your boat at 80% reverse throttle it's NOT set. 80% reverse throttle on a sail boat is the rough equivalent of between 12 and 22 knots depending on the auxiliary power. Keep in mind MANY boat transmissions, especially v-drives, use a different and less aggressive reverse gear than the forward gear so your boat usually does NOT have the same thrust in reverse as it does in forward. Other factors also play into this reduced reverse thrust but suffice it to say that most boat have less power in reverse than in forward..When setting with the motor it's important to pick a spot then drift slowly over and beyond it so you can then get the boat moving slowly, .5 to 1 knot, backwards. This is when you drop the anchor, but not all at once, let it hit the bottom moving backwards and the when you feel it hit then pay out 7:1 scope (water depth + bow height multiplied by 7). Once the anchor rode is taught, and you have felt the "initial set" back down gently at first to just at little over idle throttle to "seat" seat the anchor. If all feels good, and you are not dragging, at this point you should gradually increase throttle to 80%. Keep on it until prop walk has moved you about 10 degrees to either port or starboard. Now your anchor is set and you can reduce scope to 5:1 or even 4:1 if you have an anchor that can handle it or an all chain rode. I sometimes will let is sit for a couple of hours and then re-test before I turn in for the night..Don't you want to know NOW that your anchor is set rather than at three in the morning when that front moves in????