Like anything else, there are many points of view
to basic issues of good seamanship, danger and preparedness. I applaud all of your for your differing input and opinions.
I was outside the Golden Gate a few months ago with a friend. We'd been sailing (cruising and racing) together, irregularly, for many years. He was one of those "naturals" when it comes to steering - some folks "have it" and some "just never get it." Conditions were four to six foot seas at 12 to 15 seconds, 15 knot winds, nothing outrageous, but still challenging while safe.
A few days after the trip I received a very long email from him asking about our preparedness and whether we really should have been out there
at all, and what we would have done had something untoward occurred. I was quite comfortable, evidently he was not, whether upon reflection or at the time.
The purpose of the trip was to expose him to more challenging sea conditions, since he had sailed with me earlier in the year all the way to the Farallone Islands, 25 miles out and back, and this day we hadn't even gone much more than 3 miles out. He was right, in that I had figured that since he'd been sailing every week with friends on another boat, a C30, that he's learned quite a bit during those outings.
I was wrong, in that we hadn't practiced MOB and heave to
with him. I also explained to him that Monday morning quarterbacking was counterproductive and that he perhaps could have and maybe should have mentioned it to me
at the time, not later, although mentioning it all was very important. Lessons learned? You betcha!

Our next trip will be me throwing myself overboard and seeing how he does --- NOT! You bet we'll do some practicing, and he can learn more and more. I appreciated his input very much.
I have two simple rules on board to KISS:
1. One hand for yourself, one hand for the ship (hang on all the time)
2. Please do what I request right away and
feel free to ask any and all questions immediately thereafter.
He held on, but didn't ask. It's hard to read minds, but I did listen carefully to his (later) concerns and learned something very important, too.
And as we all do with these kinda threads.