We do set out at the first shimmer of light on the big pond. It is usually flat in the morning. Sometimes light rollers. I pack it in once wind hits about 25kmh. That's usually about when the waves start to really brake and the white caps begin to show their ugly face.
There are 6 major scupper holes through the hull of the Hobie Pro Angler series yaks. As long as you take the wave from the front or the back, any and all water rushes in and out just as fast. I'm not going to say they are unsinkable, but they are meant for big water. I took wake from an ocean liner one day. I thought for sure that I was about to go under when I seen it coming. I pointed the bow into it, and was completely engulfed. However, just as fast the water was gone.... I was wet but floating with zero water in the hull.
You cannot put a price on safety. I have invested a lot not only to ensure I catch fish, but also to ensure I make it home safe to see my little girls for another day.