It is theoretical but raised because with a drying out boat that is slower I may only be able to reach a small harbour in time to miss what is coming.
In real life I listen to the Met office forecasts but take them with a pinch of salt and do my own. So I would never plan to be out in bad weather.
I have been out in bad weather because of must do delivery trips but that was in large mon0 hull power boats and I knew what I was heading into to, although when the waves needed to be looked up to from the flybridge of a 60 foot boat - estimated at 18 feet high, I did run for cover to Plymouth with a German warship taking station up smack on my stern and covering me from the wind!
I go boating to enjoy myself not to punish myself and SWMBO so I always do my very best to avoid bad weather but I am pleased that I have had bad weather experiences on delivery trips.
There are clear rules governing the duty of a skipper in a boat to come to the aid of anyone in distress but there do not seem to be any rules governing a harbour giving aid to a boat that is trying to avoid a distress situation.