heel angle
Altough heeling makes some people nervous, it is a normal and necessary thing. The boat is designed for maximum performance with between 15-18 deg. heel, I'm guessing. What you want to reduce is excessive heel. The 28.5 (in my experience as a former owner) has a tendency to heel over to about 15 degrees quite quickly, but is quite stable after that. You would really have to do something stupid to knock her down. As the boat heels over, the sails (and hull) become less efficient--air will spill out of the sails, and the force required to lift the keel higher becomes greater. However, explaining this probably won't make your crew feel better. Try letting her take the helm and you trim the sails for a flat ride. BTW, I wouldn't recommend using your 150% if your wife and daughter are already nervous, because you'll just end up reefing, and then you migh as well have the 100% on. Although the 28.5 will sail very nicely with the 150%, it would probably just compound the problem at this point.