Sorry to admit, I have finally put to rest the age-old question - is the 146 less prone to turtling than its narrower ratio 170 cousin...After 10 days of rain which dumped 14" here in Connecticut, followed by beautiful sun but 45 knot gusts, today promised to be a great day on the lake before winter sets in- winds at about 9-12 kts, water still warm, foliage turning.In an attempt to learn from experience, I wanted to outline things here, and see what you folks can add in addition to my perfect hindsight.What I neglected to do:-Test-flip the boat in August. Meant to - didn't.-Foam the mast - I have all the specs and the materials ready for when I pull her, but the plan was always to do this task once she is on the trailer in my yard.-Install the reefing hardware that I had bought a few weeks ago. (Just was talking to Hunter this morning suggesting that they ought to make that at least optional!However, I have been out in higher winds without reefing - not sure I would've felt the need, even if I could. What I though I would try was to furl the jib, to see how the boat would handle. I was just off close-hauled, teasing the main just on the verge of luffing, sometimes luffing, to allow for some margin of error with the very changeable winds on the lake. Fell off a bit to follow the wind change and keep the main full and a bit of a heel, when the wind continued to back. Tiller hard over - boom was not touching the water, but this time she just did not circle back into the wind!Those dreaded seconds when you realize you're gonna get wet...now I'm in the water, but the boat is staying on her side - yay!! So I go about the business of uncleating the sheets. Well, not 3 seconds passed before she decided to completely turtle.Climbed on the hull, pulled on CB - hah! That's not going to budge her.Was kinda close to the leeward shore, so started shouting, and some very kind folks came out of their homes to call for help.Got righted thanks to the crane boat from the Candlewood Lake Authority, who was out pulling bouys for the season. What they did to her to get her righted was scary but perfectly effective. Got a tow home from my marina, and am now madly baking big batches of my famous cookies for all parties involved!I was lucky that the water was still warmish, and to get such willing help. AND that the water was deep enough to not stick the mast, AND doing this in the only section of the lake wthh no choking weeds! And at least my reactions once overboard were mostly by the book. Glenn...I am DEFINITELY going to foam and seal the mast, put flotation in the boom!!! I can deal with a boat on its side - but turtled!!?? *yks Has anyone on their H170 or H146 experience they could share about sailing under main only in fresh winds? Did I lose maneuverability by doing that? Is reefing the main preferable to furling the jib when winds kick up? I'm guessing yes to that one.Rats - I can no longer be smug in having never turtled my sweet little 146! *cry (I will post pictures of all my improvements as I do them.)All 20/20 hindsight offered here will be grudgingly read and taken to heart!!