The insurance company is fine as long as we get to Mexico after November 1.

Westcoaster- bad photo link. Were you showing me what a storm looks like on the Oregon coast perhaps? Yes, I'm highly motivated not to be off the WA/OR coasts in the fall. They are about as unforgiving as it gets. Susie sailed Seattle/SF a couple years ago with friends on their J42 starting about Sept 7 and it was the worst leg of the boat's trip to New Zealand. Not horrendous but 40 knots of wind made it very wet on that boat.