As a former dealer, I have always taught my customers never to heel over 12-14 degrees in any boat. I found that thru saill control, you can obtain your fastest speed.
first, you do not want to scare yourself let alone your wife and children. You wife might bonk you but may never sail again as she is so scared. I have seen one fellow when demonstarting a boat with wife and children thinking it would be fun and go faster when the mainsail touches the water. Twice I allowed this cautioning him. He did not repsond and since this was my boat, I took over the controls and told him I would never sell him a boat. When we got back to the dock, I admonished him in front of his wife and children for being unsafe. Three years later when I ran into him, he thanked me for what I said to him as he did not realize what he was doing and how unsafe he was. She was considering divorce but my remarks turned him around.
Let me go a little futher. When heeling too much, often people try to keep the boat upright with the rudder when actually you are exserting pressure on that rudder as it is acting as a brake. Reduce sail and/or let the sails out. I would suggest reefing the rooler furling first, then reef the mainsail and then if too strong for you, call it a day and come in.
Dave Condon