The conventional wisdom from years ago was if the entrance bar was breaking too heavily or had a "rage" on, just don't try to cross. Stay out at sea, or stay at the dock, depending on which side you are starting from. I have usually heeded this wisdom, and the time or 2 I didn't, I wish I had. The Coast Guard trains a select few small boat coxswains at the Columbia River Bar at Astoria, Oregon. They spend several weeks learning how to survive rollovers, and the best way to get through a bar in full rage.
In my search and rescue helicopter days, the worst were the boats (both sail and power) that got rolled, lost steerage, or ended up on the rocks in the various inlets. Atlantic hurricanes and North Pacific storms generally were survived better at sea than running the inlets. The longer wave periods in the open ocean make avoiding rollovers a lot easier than in the inlets, despite the waves being much larger. Yes, there are the freak waves in the open ocean, but again you can often see them coming.
Just my opinion, I think the conventional wisdom is correct. If there is any doubt don't cross the bar until things calm down.
I've spent 3 days anchored in Little Harbour, Abacos, waiting for the bar to calm down. I had 3 different cases where 30ft boats lost it at the entrance at Boca Raton, FL. Even my 140ft CG cutter declined to run the bar at Coos Bay, OR when a rage was on. It's predecessor, a 125ft cutter, had been rolled running the bar, with too much loss of life. I've seen boats and ships alike ground themselves between breakers on the West End Nassau Harbour entrance.
Fred W