My first C-22 was a swing keel version, our current C-22 is a wing keeled version. The original boat was kept in fresh water in the midwest and slipped her every year from April/May to October/November. The keel was pretty much always down, and I kept the cable tight. Yes it would "Hum" when we sailed, but I kind of like it, and with it tight, "if" the keel hit something, (like maybe a submerged wing dam on the Mississippi River?), when the keel came back down, I didn't have to worry about the keel damaging the back of the keel trunk. I know folks try bringing the keel back and playing with the angle of the keel, but again, the swing keel on the C-22 was designed to make the boat easier to trailer. Because we didn't trailer the boat like we currently do, I forgot to lower the keel several times during our annual spring launching. And yes, we would pull the keel up when beaching, but the sails were stowed before we beached.
Small boats can flip when not operated correctly, and in accordance with the manufacturer instructions, just ask Roger Macgregor......
Don