I dont think 'the conventional wisdom' will agree as: the functional
differences between a keel stepped mast and deck stepped are very
'slim'.

If you lose the rigging on a deck stepped mast the mast goes overboard
leaving a clean and 'unpenetrated' coach roof, etc.
If you lose the rigging of a keel stepped mast the mast breaks,
leaving a stub.
Ditto with a rollover ...

Probably the best 'compromise' between the two is a deckstepped mast
that terminates in a large flange that is mated to a flanged
compression post via an enhanced bolting system.
Alternately and probably just as functional is the unstayed 'freedom'
rig.