On Mon, 10 Sep 2007 17:32:53 -0400, HK wrote:

Since I don't have to boat, if I see 3' waves on the bay, I just don't
go out, or I trailer over to the Pax River, which is an interesting
waterway that stays reasonably calm.

That is certainly an appropriate strategy for a 20 footer, or even a
good bit larger.