In my experience, a swell is usually smooth enough to be a minimal issue. Wind becomes uncomfortable between 25 and 35 knots. So wind driven waves are the big issue for us. Sailing close hauled, things get uncomfortable around 5 footers. But most of our cruising is on a reach, and we have been quite comfortable in 6 footers if they are not breaking. If the waves come abaft the beam, surfing begins, the ride is fine, but the helm will work hard, since the waves try to steer the boat. So we stay out of open water when the forecast is 6-8 foot wind driven waves. (With depths of 30 to 60 feet, waves on Lake Erie tend to be more "square" than those in deeper waters.)
We could probably give more pointed advice if you told us your home port. The Chesapeake and Albemarle Sound are very different than sailing in the open waters of the Atlantic, for instance. Also, "coastal" sailing often means that you have some protection from windward shores, depending on the wind direction. This reduces waves substantially compared with open water.
We could probably give more pointed advice if you told us your home port. The Chesapeake and Albemarle Sound are very different than sailing in the open waters of the Atlantic, for instance. Also, "coastal" sailing often means that you have some protection from windward shores, depending on the wind direction. This reduces waves substantially compared with open water.