Sails need to be set for the conditions, including the ability to reef sails which we don't currently have. I'd like to see an increasing chance of substantial damage to the sails (being ripped or ripped away and flapping in the wind), masts and yards (losing a section or even a whole mast) if the ship is carrying too much canvas. Also, too much sail in storm conditions should include the risk of taking on a lot of water and risk the ship capsizing when sailing close to beam reach.