This is mostly good.
But it throws a monkey wrench in the process of capturing AI traders, since the only time-effective way to cap a Lynx or Cutter is to grape the crew away entirely. Even with shredded sails, schooners and cutters tack too easily, making it almost impossible to board them.
Maybe exempt Lynx and Cutter from this crew protection? After all, they have open decks with no fighting tops. No one will be in the rigging.
PS: In battle no one needs to be on the yards. But in SoLs there will be dozens of men below the waterline, working in the shot lockers and magazines.