Your question is a bit broad..
A squall here in Florida may last only a few minutes, and be over before the waves have a chance to build. A few weeks ago, I had my H23.5 out in 20knots with just a full main, and no jib. We had a lot of people ballast so we stayed fairly level ( under 25 degrees) most of the time. Since it was in a lake, big lake, waves stayed under 3 feet. We actually had a pretty dry day taking only a few splashes into the cockpit. Other factors such as the depth of the water, frequency of the waves, the fetch, and currents have a lot to do with whether or not the boat can handle the conditions. I'd say its closer to 80% skipper, and 20% boat. Practice reefing your main, and think about a storm jib. I agree with the others, watch the weather better and pick your windows to sail in. A lot of Mac's and Hunters make the trip from Cape Cod to MV and Nantucket every year, so sailing your area should not be an issue.