Archives should have some good information
Back when we purchased our '22 we had the same question. Crazy Dave's right, no need to heel more than 15 degrees; but it sounds like you want to know when the boat's going to take a dive, right? The good folks on here assured me I probably wouldn't be out in conditions that could ever flip my boat over. And you know what, they were right. The few times I've been hit with a gust the boat rounds right up into the wind. It's an odd sensation if all you've sailed are day sailors that can tip over, but you just have to trust it. So, sail her flat, but read some of the good info in the archives on heeling. It sure helped me!David "sea monkeys"